Secure updating of allocations to user accounts

ABSTRACT

Systems and methods for secure updating of allocations to user accounts are provided. In one aspect, a system includes one or more computer readable storage mediums having program instructions embodied therewith, and one or more processors configured to cause the system to identify an external institution associated with the future transfers, and initiate, based on the identified external institution, a proxy instance of a software application of the external institution to determine a set of endpoints and a set of the future transfers to the endpoints. The system is further configured to receive a request from a user to change at least one of the set of the endpoints and the set of the further transfers to the endpoints, and use the proxy instance, executing the requested change to at least one of the set of the endpoints or the set of the future transfers to the endpoints.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application claims benefit of U.S. Provisional Patent Application No. 63/020,260, filed May 5, 2020, and titled “SECURE PERMISSIONING OF ACCESS TO USER ACCOUNTS, INCLUDING SECURE DEAUTHORIZATION OF ACCESS TO USER ACCOUNTS.” The entire disclosure of each of the above items is hereby made part of this specification as if set forth fully herein and incorporated by reference for all purposes, for all that it contains.

TECHNICAL FIELD

Embodiments of present disclosure relate to systems and techniques for secure permissioning of user account data. More specifically, embodiments of the present disclosure relate to securely accessing user account information via proprietary APIs, and securely authorizing user changes to recurring transfers and allocations.

BACKGROUND

The approaches described in this section are approaches that could be pursued, but not necessarily approaches that have been previously conceived or pursued. Therefore, unless otherwise indicated, it should not be assumed that any of the approaches described in this section qualify as prior art merely by virtue of their inclusion in this section.

Users may grant access to their user accounts by providing credentials related to those accounts. Upon granting of access, user account data may be accessed by a system.

SUMMARY

The systems, methods, and devices described herein each have several aspects, no single one of which is solely responsible for its desirable attributes. Without limiting the scope of this disclosure, several non-limiting features will now be described briefly.

Embodiments of the present disclosure relate to systems and techniques for securely and efficiently obtaining user account data via instantiation of virtualized or simulated instances of first-party software applications and/or web browser software applications. For example, the systems of the present disclosure include generation of proxy, virtualized, or simulated instances of software applications that are configured to interface with external systems via public or non-public, or (e.g., proprietary) application programming interfaces (APIs). The virtualized or simulated instances of the software applications may be authenticated with the external systems as if the virtualized/simulated instances are actually first-party software applications executing on a user computing device. Via the public/non-public APIs user account information may be obtained and processed, such that the data may be normalized and provided to other software systems via a normalized API of the system. Accordingly, the systems of the present disclosure may be significantly more efficient at obtaining user account data from external systems than previous techniques. Further, the user account data may be normalized and requested and/or provided via a normalized API, enabling others to efficiently access such data (originally obtained from multiple external systems) from a single standardized interface in a highly efficient manner.

Accordingly, in various embodiments, large amounts of data are automatically and dynamically retrieved and processed in response to API requests and other user inputs, and the retrieved data is efficiently and compactly accessible to a customer or user also via normalized API responses from the system. The data is retrieved in an efficient way via instantiation of virtualized/simulated instances of mobile applications, for example. Thus, in some embodiments, the API interfaces described herein are more efficient as compared to previous interfaces in which data is not normalized and compactly and efficiently provided to the customer user in response to such requests. Advantageously, using the system, the customer or user may access data from multiple disparate data sources (e.g., data stores) and/or systems, each of which may use a proprietary interface, in a standardized way.

Further, as described herein, the system may be configured and/or designed to generate user interface data useable for rendering the various interactive user interfaces described. The user interface data may be used by the system, and/or another computer system, device, and/or software program (for example, a browser program), to render the interactive user interfaces. The interactive user interfaces may be displayed on, for example, electronic displays (including, for example, touch-enabled displays).

Additionally, it has been noted that design of computer user interfaces “that are useable and easily learned by humans is a non-trivial problem for software developers.” (Dillon, A. (2003) User Interface Design. MacMillan Encyclopedia of Cognitive Science, Vol. 4, London: MacMillan, 453-458.) The present disclosure describes various embodiments of interactive and dynamic user interfaces that are the result of significant development. This non-trivial development has resulted in the user interfaces described herein which may provide significant cognitive and ergonomic efficiencies and advantages over previous systems. The interactive and dynamic user interfaces include improved human-computer interactions that may provide reduced mental workloads, improved decision-making, reduced work stress, and/or the like, for a user. For example, user interaction with the interactive user interface via the inputs described herein may provide an optimized display of, and interaction with, transaction and account data and may enable a customer user to more quickly and accurately access, navigate, assess, and digest the account data than previous systems.

Further, the interactive and dynamic user interfaces described herein are enabled by innovations in efficient interactions between the user interfaces and underlying systems and components. For example, disclosed herein are improved methods of receiving user inputs, translation and delivery of those inputs to various system components, automatic and dynamic execution of complex processes in response to the input delivery, automatic interaction among various aspects and processes of the system, and automatic and dynamic updating of the user interfaces. The interactions and presentation of data via the interactive user interfaces described herein may accordingly provide cognitive and ergonomic efficiencies and advantages over previous systems.

Various embodiments of the present disclosure provide improvements to various technologies and technological fields. For example, as mentioned above, existing account and/or transaction data retrieval technology is limited in various ways (e.g., interfaces differ for each system or source, data is provided in different formats, etc.), and various embodiments of the disclosure provide significant improvements over such technology. Additionally, various embodiments of the present disclosure are inextricably tied to computer technology. In particular, various embodiments rely on receipt of computer-based API requests, accessing of transaction and/or other data via, e.g., virtualized/simulated instances of mobile applications, normalization of retrieved data, and responses to the requests via the API in a standardized way. Such features and others are intimately tied to, and enabled by, computer technology, and would not exist except for computer technology. For example, the API request and responses, and instantiation of virtualized/simulated instances of e.g., mobile applications, described below in reference to various embodiments, cannot reasonably be performed by humans alone, without the computer technology upon which they are implemented. Further, the implementation of the various embodiments of the present disclosure via computer technology enables many of the advantages described herein, including more efficient interaction with, various types of data.

BRIEF DESCRIPTION OF THE DRAWINGS

The following drawings and the associated descriptions are provided to illustrate embodiments of the present disclosure and do not limit the scope of the claims. Aspects and many of the attendant advantages of this disclosure will become more readily appreciated as the same become better understood by reference to the following detailed description, when taken in conjunction with the accompanying drawings, wherein:

FIG. 1 is a block diagram illustrating various aspects of a computing system and network environment in which the computing system may be implemented, according to an embodiment;

FIG. 2 illustrates aspects of some example proxy instances, according to an embodiment;

FIG. 3 is a flowchart illustrating an example method of accessing user account data, according to an embodiment;

FIG. 4A illustrates aspects of an application proxy system, according to an embodiment;

FIG. 4B illustrates aspects of some example proxy instances, according to an embodiment;

FIG. 5 is a flowchart illustrating an example method of processing transactions, according to an embodiment;

FIG. 6 is a simplified block diagram of the computing system and network environment of FIG. 1, according to an embodiment;

FIGS. 7-8 illustrate examples of API request and response flows of the system, according to an embodiment;

FIGS. 9-10 are flowcharts illustrating example methods of processing transactions, according to various embodiments;

FIG. 11 is a block diagram of an example architecture of the system, according to an embodiment;

FIG. 12 illustrates an example network environment in which a permissions management system may operate, according to various embodiments;

FIG. 13A is an example architecture schematic facilitating direct deposit switches and updates, according to various embodiments;

FIG. 13B is a state diagram showing an example deposit switch flow;

FIGS. 14A-14N show example graphical user interfaces for an example deposit switch flow, according to various embodiments;

FIG. 15 is a flowchart illustrating an example method of changing future transfers to one or more endpoints, according to an embodiment;

FIGS. 16A-16E illustrate example graphical user interfaces or frontends generated and rendered to a user of the client-side interface;

FIG. 17 is an example simplified architecture schematic illustrating further aspects of a computing environment that may facilitate accessing user payroll account data from one or more external payroll account systems, and thereby facilitate changes to recurring transfers and/or allocations of recurring transfers;

FIG. 18 is a flowchart illustrating an example method of updating an employer/external payroll account database, according to an embodiment;

FIGS. 19A and 19B provide a flowchart illustrating an example method of automatically identifying an employer and/or external payroll account system of the user by providing access to the user's external account;

FIGS. 20A-20E illustrate example graphical user interfaces or frontends generated and rendered to a user of the app;

FIG. 21 provides a flowchart illustrating an example method of accessing an external payroll account using automated recovery of user credentials; and

FIG. 22 provides a flowchart illustrating an example method of allocating future recurring transfers to one or more endpoints.

DETAILED DESCRIPTION

Although certain preferred embodiments and examples are disclosed below, inventive subject matter extends beyond the specifically disclosed embodiments to other alternative embodiments and/or uses and to modifications and equivalents thereof. Thus, the scope of the claims appended hereto is not limited by any of the particular embodiments described below. For example, in any method or process disclosed herein, the acts or operations of the method or process may be performed in any suitable sequence and are not necessarily limited to any particular disclosed sequence. Various operations may be described as multiple discrete operations in turn, in a manner that may be helpful in understanding certain embodiments; however, the order of description should not be construed to imply that these operations are order dependent. Additionally, the structures, systems, and/or devices described herein may be embodied as integrated components or as separate components. For purposes of comparing various embodiments, certain aspects and advantages of these embodiments are described. Not necessarily all such aspects or advantages are achieved by any particular embodiment. Thus, for example, various embodiments may be carried out in a manner that achieves or optimizes one advantage or group of advantages as taught herein without necessarily achieving other aspects or advantages as may also be taught or suggested herein.

I. Overview

As mentioned above, according to various embodiments, disclosed herein are systems and techniques for allowing for the secured authorization to access and change recurring transfer allocations, as well as the secured deauthorization to access and change recurring transfer allocations.

Embodiments of the disclosure will now be described with reference to the accompanying figures, wherein like numerals refer to like elements throughout. The terminology used in the description presented herein is not intended to be interpreted in any limited or restrictive manner, simply because it is being utilized in conjunction with a detailed description of certain specific embodiments of the disclosure. Furthermore, embodiments of the disclosure may include several novel features, no single one of which is solely responsible for its desirable attributes or which is essential to practicing the embodiments of the disclosure herein described.

II. Definitions

In order to facilitate an understanding of the systems and methods discussed herein, a number of terms are defined below. The terms defined below, as well as other terms used herein, should be construed broadly to include the provided definitions, the ordinary and customary meaning of the terms, and/or any other implied meaning for the respective terms. Thus, the definitions below do not limit the meaning of these terms, but only provide example definitions.

Permissions Management System (also referred to herein as “the system”): A computing system, the functionality of which is described in detail in the present disclosure. Functions of the permissions management system (which are described in further detail below) include, but are not limited to: accessing and/or extracting user account data from external user account systems (e.g., recurring transfer account systems, payroll provider account systems, etc.); initiating execution of, or executing, transactions via external user account systems; generating secure electronic records and tokens (e.g., unique identifiers associated with the electronic records) based on user account data; enabling permissioning of access to, and execution of changes to or transactions on, user accounts on the user account systems; enabling revocation of permissions for, or de-authorization of, access to user accounts on the user account systems; and/or enabling revocation of permissions for, or de-authorization of, rights to execute transactions or changes via user accounts on the user account systems. One or more of these functionalities may be implemented via the permissions management system, as described below, and may be accessible to customers via an application programming interface (API). Accordingly, a customer may access any of the functionality of the permissions management system (including, e.g., accessing user account data, permissioning access to user account data, etc.), via the API.

External User Account System: A computing system or service of an external institution. For ease of description, general references herein to external institutions (or more simply “institutions”) may be understood to refer to the external user account systems of those institutions. Accordingly, external user account systems may also be referred to herein as “external institution system,” “external bank systems,” “bank systems,” “banks,” “institutions,” “external services,” “payroll systems,” “payroll providers,” and/or the like. As described below, external user account systems may provide public and/or non-public (e.g., proprietary) application programming interfaces (APIs), including web pages, by which user account data may be accessed by first-party software applications (e.g., mobile device software applications) of the external institutions and/or web browser software applications (including instantiations of headless web browsers). However, as further described below, the system of the present disclosure may enable access to payroll provider user account data via such public/non-public APIs of the external user account systems by, e.g., instantiating virtual and/or proxy instances of the first-party software applications of the external institutions and/or web browsers. External user accounts may also be referred to herein as “user accounts.”

External Institution: An entity that maintains a user account. Examples of external institutions (also referred to herein as “institutions”) include, but are not limited to, banks, credit card providers, investment services, loan providers, and/or other suitable financial institutions or user account holding institutions.

Application Programming Interface (API): A set of routines, protocols, and/or tools for building a software application. Generally, an API defines a standardized set of operations, inputs, outputs, and underlying types, such that functionality is accessible via the API in an efficient way. The system provides an API by which a customer may access any of the functionality of the system, as described herein. Accordingly, the system advantageously abstracts away (from a customer's perspective), much of the complexity that may be involved in the functionality of the system, and enables the customer to quickly and efficiently leverage the functionality of the system to build other systems and services.

Customer: One who makes use of the API of the system to access functionality of the system in a software application of the customer, as described herein. Customers of the system may include, but are not limited to, software developers (who may be developing, e.g., a software application such as a store, or mobile app), third-party processors (e.g., third-party payment processors), external institutions, merchants, and/or the like.

External User-Facing System/Application: A software application and/or computing system of a customer (e.g., developed by a customer) that interacts with the system via the API of the system. Examples of external user-facing systems/applications include, but are not limited to, desktop software applications, mobile device software applications, server software applications, and/or the like. In general, external user-facing systems/applications provide goods or services to a user. In some instances, for ease of description, such software applications may be referred to herein as “apps.” Additionally, external user-facing systems/applications may also be referred to herein as “developer systems,” “developer computing devices,” and/or the like. Examples of external user-facing systems/applications include apps for payment processing, payroll direct deposit switches/customizations, account data review/analysis, budgeting, account monitoring, providing recommendations for savings, etc.

Third-Party Processor: An entity that processes transactions, e.g., financial transactions for a merchant. When provided with account information (e.g., credit/debit card information, bank account information, payroll account information, etc.), direct deposit information, and payment information (e.g., how much to pay, to whom, and when, etc.), executes and processes a transaction. In some implementations, the system may interact with one or more third-party processor systems to execute and/or process payments. Alternatively, the system may include functionality to process transactions, and thus may effectively act as its own “third-party” processor (thus, “third-party” is somewhat of a misnomer in this context, but the term “third-party” is used in the present disclosure for clarity purposes). Third-party processors may be referred to herein as “trusted” third-party processors, because in some implementations the third-party processor is entrusted with user account data that, for example, an external user-facing system/application is not. Third-party processors may be referred to herein as “third-party transaction processors.” As used herein, the term “transactions” may include any of various types of activities related to accounts, including but not limited to: financial transactions (e.g., ACH transfers, credit card transactions, debit card transactions, other types of payments or money transfers, etc.), updating account information, setting up alerts, etc. The system may additionally enable various other types of activities (e.g., updating account information, requesting services, etc.) that in some instances may be referred to herein as executing transactions, and/or the like.

User: A holder of a user account at an external institution. In general, a user maintains account credentials for accessing their user account, and provides authorizations and/or de-authorizations for an external user-facing system/application of a customer (e.g., an “app” of a developer) to limitedly and securely access the user account (e.g., to initiate payments for goods or services). Such authorizations and/or de-authorizations (among other functionality) are enabled by the system and via the API of the system, as described herein. Advantageously, according to some embodiments, the user's account credentials are never accessible to the external user-facing system/application. Rather, the system may securely enable the user to indicate authorizations and/or de-authorizations, without revealing the account credentials outside of the system (and/or trusted entities of the system, such as a trusted third-party processor).

User Input (also referred to as “input.”): A person's (e.g., a user or customer) interactions with a computing system, such as any type of input provided by a user/customer that is intended to be received and/or stored by the system, to cause an update to data that is displayed and/or stored by the system, to cause an update to the way that data is displayed and/or stored by the system, and/or the like. Non-limiting examples of such user inputs include keyboard inputs, mouse inputs, digital pen inputs, voice inputs, finger touch inputs (e.g., via touch sensitive display), gesture inputs (e.g., hand movements, finger movements, arm movements, movements of any other appendage, and/or body movements), and/or the like. Additionally, user inputs to the system may include inputs via tools and/or other objects manipulated by the user. For example, the user may move an object, such as a tool, stylus, or wand, to provide inputs. Further, user inputs may include motion, position, rotation, angle, alignment, orientation, configuration (e.g., fist, hand flat, one finger extended, etc.), and/or the like. For example, user inputs may comprise a position, orientation, and/or motion of a hand and/or a 3D mouse.

Data Store: Any computer readable storage medium and/or device (or collection of data storage mediums and/or devices). Examples of data stores include, but are not limited to, optical disks (e.g., CD-ROM, DVD-ROM, etc.), magnetic disks (e.g., hard disks, floppy disks, etc.), memory circuits (e.g., solid state drives, random-access memory (RAM), etc.), and/or the like. Another example of a data store is a hosted storage environment that includes a collection of physical data storage devices that may be remotely accessible and may be rapidly provisioned as needed (commonly referred to as “cloud” storage).

Database: Any data structure (and/or combinations of multiple data structures) for storing and/or organizing data, including, but not limited to, relational databases (e.g., Oracle databases, mySQL databases, etc.), non-relational databases (e.g., NoSQL databases, etc.), in-memory databases, spreadsheets, as comma separated values (CSV) files, eXtendible markup language (XML) files, TeXT (TXT) files, flat files, spreadsheet files, and/or any other widely used or proprietary format for data storage. Databases are typically stored in one or more data stores. Accordingly, each database referred to herein (e.g., in the description herein and/or the figures of the present application) is to be understood as being stored in one or more data stores.

III. Example Systems and Methods for Programmatically Accessing User Account Data

FIG. 1 illustrates certain aspects of a computing system 100 (e.g., the system) that may access user account data from one or more external account systems configured to assist with deposits, payroll, and recurring transfer generally. The system 100 may include an application programming interface (API) service 110, an application proxy system 120, and at least one institution interface module (e.g., modules 131, 132, and 133). The system functions to provide programmatic access to one or more external user account systems (e.g., external user account systems 141, 142, and 143) that lack exposed programmatic access. The external user account systems may comprise proprietary and external financial services (e.g., financial institution services, among others, as described above). Such institutions may have first party software applications (e.g., mobile applications) that enable users to access user account data/information from a mobile or desktop device. Such first party applications commonly use proprietary or customized API (e.g., APIs 161, 162, and 163). These APIs are commonly not public and not exposed. For example, a developer is commonly prevented from registering an account and using an open API authentication approach to arbitrarily access the API resources of such external user account systems. Additionally, the APIs (e.g., APIs 161, 162, and 163) of the external user account systems may include non-trivial customized interface protocols that may not be shared with other institutions; e.g., each external user account system conforms to its own interface.

The system 100 functions to provide a normalized interface (e.g., API service 110) to the one or more external user account systems (e.g., external user account systems 141, 142, and 143). The system 100 enables access to a user account within an external user account system by leveraging the application proxy system 120. A virtualized “image” or digital simulation of an application instance is maintained in the application proxy system 120 and used to access the unexposed API (e.g., APIs 161, 162, and 163) of the external user account system. While the system may be applied to payroll providers/institutions, the system may additionally or alternatively be applied to providing API access to other external systems with closed or limited API access.

The API 110 of the system functions to provide a normalized customer facing interface. The API 110 may be normalized in the sense that the underlying non-public (or public) API to the external user account system (e.g., external user account systems 141, 142, and 143) that acts as the source of the user account data is abstracted away, and the API 110 to various different external user account systems is substantially standardized. In some variations, various aspects of the API 110 may be limited when interfacing with external user account systems. For example, one institution may not support a feature such as digital check deposit, while a second institution does. In this case, the API 110 may define the API such that the API feature for check deposit is prevented for the first institution. The system 100, and more specifically the API 110, may be used to provide an accessible API service to customers, e.g., outside developers. As such, the system 100 may be a multi-tenant system that allows numerous accounts to share use of the system 100. The system 100 and more particularly the API 110 may alternatively be a single tenant system. For example, the system 100 may be used as an internal system to a website providing an online financial management or payroll product.

The API service 110 may be a RESTful API, but may alternatively be any suitable API such as SOAP or custom protocol. The RESTful API works according to an HTTP request and response model. HTTP requests (or any suitable request communication) to the system 100 may observe the principles of a RESTful design. RESTful is understood in this document to describe a Representational State Transfer architecture as is known in the art. The RESTful HTTP requests may be stateless, thus each message communicated contains all necessary information for processing the request and generating a response. The API service 110 can include various resources which act as endpoints which act as a mechanism for specifying requested information or requesting particular actions. The resources can be expressed as URI's or resource paths. The RESTful API resources can additionally be responsive to different types of HTTP methods such as GET, PUT, POST and/or DELETE.

The API service 110 can provide an interface into a variety of information and action resources, as provided by the system 100. Information/data relating to a user account may be accessible through querying particular API resources via the API 110. For example, a list of transactions and information about each individual transaction may be accessible through different API calls of the API 110. Information can additionally relate to account summary information, account details such as address and contact information, information about other parties such as the entities involved in a transaction, and/or any suitable information. The API 110 may additionally be used to trigger or facilitate performing some action. For example, an API call may be used in transferring money, updating account information, setting up direct deposits, or performing any suitable action. Those skilled in the art will appreciate that such example API features that any suitable API feature possibilities and semantic architecture may be used.

In one example implementation, an API call via the API 110 can support adding a bank or payroll deposit recipient, completing authentication, accessing transaction information, and other actions. For example, an application may POST to a “/connect” REST API resource of the API 110 to authenticate a user; if an institution includes multi-factor authentication, then a “/connect/step” resource can be submitted to complete multi-factor authentication credentials; and then performing a GET on the “/connect” resource can access transactional data related to the user/user's account. The API 110 may additionally include informational resources to access information about entities involved in transactions. For example, the API 110 may allow a particular business resource to be accessed to obtain contextual information about the business such as name, location, and classification.

The application proxy system 120 functions to manage a simulation of a first-party software application, and/or web browser software application (including, e.g., instantiations of headless web browsers), access to an institution. The application proxy system 120 operates in cooperation with one or more institution interface modules (e.g., institution interface modules 131, 132, and 133) to establish a data model and/or a data image that acts as a virtualized or simulated application instance (also referred to herein as an “application proxy instance,” “proxy instance,” “virtualized instance,” “simulated instance,” and/or the like) (e.g., proxy instances 121, 122, and 123). From the perspective of the institution, the proxy instance (e.g., proxy instances 121, 122, and 123) appears as a first-party application (e.g., Payroll Provider 2 application 153) and/or web browser application installed on a physical user device (e.g., user devices 171 and 172) that is being used by a user. In other words, the requests received from the proxy instance are treated like requests from a first-party mobile app, desktop app, web-based application, or web browser of the user. The application proxy system 120 may store and maintain a plurality of application proxy instances (e.g., proxy instances 121, 122, and 123). The proxy instances may include configuration settings and properties that, when used according to a defined institution interface (e.g., an institution interface of an institution interface module 131, 132, and/or 133), will appear as requests from first-party applications (e.g., application 153) of the institution (e.g., institution 141, 142, and/or 143) and/or web browser applications. A different proxy instance may be created and maintained for each user account-institution pair. A given user may have multiple user accounts with different payroll providers/institutions. A proxy instance may include a set of properties that can be used to authenticate the proxy instance with the institution system (e.g., institution 141, 142, and/or 143). The application proxy system 120 provides a method to programmatically create a proxy instance for a user. The user may provide some account credentials that can be used in an initial registration of the proxy instance with the non-public or public API of the institution (including, e.g., web pages). The proxy instance may be characterized as a set of properties that can be stored and maintained. Some of those properties may be automatically generated, may be provided from the institution during negotiating registration, may be properties of the application that is being simulated, and/or may include any suitable identifying and authenticating information. The properties may include or be based on a unique user identifier code/fingerprint, an authentication token, a MAC address (e.g., a MAC address of a user device 171 or 172), or any suitable information. When a request is made to a payroll provider or institution on behalf of a user, the properties of the proxy instance may be invoked to gain access to the institution on behalf of the associated user.

FIG. 2 depicts example proxy instances 121, 122, and 123 of FIG. 1. As shown in FIG. 2, User A has accounts with Payroll Provider 1 and Payroll Provider 2, and User B has accounts with Payroll Provider 2. As shown in FIG. 2, each proxy instance includes account credentials and properties.

An institution interface module (e.g., one of institution interface modules 131, 132, or 133) functions to model the internal interface (e.g., interaction with one of APIs 161, 162, or 163) of at least one application (e.g., the application 153, including optionally a web page rendered in a web browser) with an external institution (e.g., one of institutions 141, 142, or 143). An institution interface module may be established for each institution with which the system 100 can interface. For example, an institution interface module may exist for each payroll provider/institution that is available in the system. The institution interface module may include a set of rules and processes of a particular institution. The institution interface module may include a proxy sub-module that defines how the institution recognizes and/or authenticates a particular application. Some payroll providers/institutions may depend on the MAC address of a device (e.g., a MAC address of user devices 171 and/or 172), some may depend on asymmetric cryptography tokens, and others may generate encrypted tokens. The proxy sub-module is used in establishing the proxy instance information. The institution interface module can additionally include institution protocol sub-module, which defines a mapping between provided API 110 functionality and the form and mode of communication with the external institution (e.g., institutions 141, 142, or 143). The institution protocol sub-module can define the headers, body, and other properties of messages sent to the associated institution. The protocol sub-module may additionally define how data should be processed to form that message. In some cases, the data may be encrypted in a standard or proprietary format, which the protocol sub-module can define. Additionally, the protocol sub-module can define the communication flow to fulfill a request. In some cases, multiple requests may need to be made to complete a request objective. Other aspects of interacting with an interface (e.g., APIs 161, 162, and/or 163) of an external institution (e.g., institutions 141, 142, and/or 143) may additionally be built into the institution interface module such as multi-factor authentication rules.

An institution interface module may be constructed based on use of an actual first-party application (e.g., the application 153). For example, communication of, and/or source code of, the first-party application can be parsed and analyzed to establish some or all of an institution interface module. In some implementations, source code of a first-party application (e.g., the application 153) of an external institution is parsed and analyzed to establish some or all of an institution interface module for the external institution. In some implementations, communication between an external institution and a first-party application (e.g. the application 153) of the external institution is parsed and analyzed to establish some or all of an institution interface module for the external institution.

FIG. 3 is a flowchart illustrating an example method of accessing user account data, according to an embodiment. As shown in FIG. 3, the method can include creating an application proxy instance (block 310), optionally setting up a communication session through the proxy instance (block 320), receiving a normalized account request (block 330), negotiating communication with an external interface through a proxy instance (block 340), and returning results (block 350). The method functions to provide programmatic access to one or more external services (e.g., external user account systems of external institutions) that lack exposed programmatic access. The external services may be proprietary and/or non-public. The external services can be provided by external institutions, as described above. Such institutions may have first-party applications that enable users to access user account information via a mobile or desktop application. Such first-party applications may use a proprietary or customized API (e.g., API 161, 162, and/or 163) of the external institution. Such APIs are commonly not public and not exposed. For example, a developer is commonly prevented from registering an account and using an open API authentication approach to arbitrarily access the API resources of external institutions. Additionally, such APIs are non-trivial customized interface protocols that are not shared with other institutions, e.g., each institution conforms to its own interface. The method can additionally provide a normalized interface to a plurality of external services (e.g., external institutions 141, 142, and/or 143). The method enables a programmatic interface into an account within an institution by leveraging an application proxy approach. A virtualized “image” or digital simulation of an application instance is maintained in the application proxy system 120 and used to access the unexposed API (e.g., API 161, 162, and/or 163) of the institution. The system 100 may be applied to payroll providers/institutions, the system 100 may additionally or alternatively be applied to providing API access to any other external entities with closed or limited API access, and/or via web pages. The method may be implemented through the system 100 as described above, but may alternatively be implemented by any suitable system.

At block 310, which includes creating an application proxy instance (e.g., an application proxy instance 121, 122, and/or 123), the system 100 functions to establish a digital image of a first-party application instance (e.g., the application instance 153) for a selected institution (e.g., the Payroll Provider 2 142) and/or to establish an optionally headless instance of a web browser rendering a web page of the selected institution. Creating application proxy instances may be initiated in response to receiving an initial request. The initial request may be initiated by a user (or entity) (e.g., User A or User B) interacting with an external user-facing system/application (e.g., application instances 151 and/or 152, executing on either of user devices 171 or 172 and/or another suitable device, and/or further executing on another system of the application instances 151, 152) of a customer (e.g., a developer). The external user-facing system/application may then send the initial request to the system 100. The user (e.g., User A and/or User B) may have a user account with the external institution (e.g., an online payroll provider account). An application proxy instance (e.g., one of proxy instances 121, 122, and/or 123) can be created during the initial registration or at a later time, which will provide access to account information of the external institution. Once created, the application proxy instance of that user can be persisted and used at a later time for that given user-institution combination (e.g., “User A—Payroll Provider 1”, “User A—Payroll Provider 2”, “User B— Payroll Provider 2”). However, a new proxy instance may be created when the proxy instance becomes invalid (e.g., as a result of institution API changes, password/login changes made within the institution, and/or other changes to invalidate a proxy instance). The initial request may be received through a normalized API (e.g., API 110) as a connection request. The connection request may be accompanied by parameters that specify a selected institution (if there are multiple institution options) and user credentials for the institution. The user credentials may include a username, password, pin code, and/or any suitable credentials. The API request may additionally include authentication credentials such as a client identifier and secret token that is associated with the account in the system.

Creating a proxy instance may include negotiating registration of the proxy instance with the institution, which functions to establish the proxy instance with the selected external institution. An institution interface module (e.g., one of the modules 131, 132, or 133) may facilitate navigating the communication handshaking during the initial login. Different institutions may have different processes to register or enroll a new application (which in the method is a proxy instance) such as multi-factor authentication. During the negotiation, various elements may be extracted and stored as part of the proxy instance. Similarly, some properties may be generated based on communication with the institution. For example, a MAC address or a unique device identifier may be used in connecting to the services of the external institution. Such properties may be stored as part of the proxy instance.

As mentioned above, multifactor authentication (MFA) may be part of negotiating with an external institution. For example, an external institution may respond with indication of a MFA credential requirement. Such MFA requirements may be fulfilled by relaying the MFA challenge/task up to a user. In one implementation, the system 100 receives a message indicating that a security question should be asked to complete the negotiation. The security question is passed back to the associated application (e.g., applications 151 and/or 152, which may be operated by a customer/developer account of the system 100). Then, the associated application may present the security question in some manner to obtain the user response. The MFA can include security questions, additional pin codes (such as those supplied by a one-time password generator or a code transmitted to a secondary device), or any suitable form of MFA.

At block 330, the system receives a normalized account request via the API 110 of the system 100. As mentioned above, the syntax and mode of communicating an API request is normalized such that the format is independent of the institution. The requests can include a variety of types of requests which may include: obtaining a list of transactions; requesting details on a particular transaction; performing some financial transfer (moving money from savings to checking, setting up transfer to another account, making scheduled payments, digital deposit of a check, and/or the like), updating account information (e.g., updating contact information, changing password, manage alerts, and/or the like), requesting services (e.g., new cards, reporting fraud, and/or the like), and/or the like. A normalized account request may be mapped to an institution interface module (e.g., one of the institution interface modules 131, 132, or 133) or other suitable component that defines communication to fulfill the API request.

At block 340, which includes negotiating communication with an external interface (e.g., one of APIs 161, 162, and/or 163) through a proxy instance (e.g., one of the proxy instances 121, 122, and/or 123), the system 100 functions to execute and manage communication between the system and an external institution system (e.g., one of systems 141, 142, and/or 143) when fulfilling an account request. The proxy instance (e.g., one of the proxy instances 121, 122, and/or 123) provides a mechanism through which access may be granted. The communication is executed while an authenticated session is active. Communication sessions may be expired by the system 100 or the external institution for various reasons, such as remaining inactive for a set amount of time. A communication session may be active subsequent to enrolling a proxy instance or may require setting up a session through the proxy instance as described below.

Negotiating communication may include creating requests that conform to expected messages of the external institution. This can include setting headers, body contents, and other message properties. An institution may expect particular headers. For example, the headers may include a host or path, a data, content type, cookies, MAC address, a user identifier, authorization properties, and/or other suitable headers. Creating requests can additionally include transforming request properties into an expected form, which may include applying a set encryption pattern to a request. In one variation, transforming the request involves encrypting content according to a public key, wherein the public key may be stored as part of the proxy instance. The institutions may take varying approaches to how information is communicated. In an alternative institution, the contents of a message may be unencrypted, in which case, the contents may be submitted in a plaintext, unencrypted form. In addition to creating requests that conform to expected messages of the external institution, the method can include following a request-response pattern. That pattern can involve a single request and response, but may alternatively include a sequence of different requests and responses to obtain desired information.

In some variations, information or actions may not be available through the first proxy instance and so the method may include automatically switching to a second proxy instance with supported functionality. For example, full pay or bank statements may not be available in a mobile application, and the institution API (e.g., one of APIs 161, 162, and/or 163) may not include such functionality. Accordingly, when that functionality is required to fulfill an API request of the API 110, then a second proxy interface may be used. In some variations, an API request via the API 110 may require multiple institutions to be queried. Such an API request may be particularly useful for summarizing financial statements across multiple accounts. The method can include negotiating communication for multiple institutions and combining results into a combined form.

At block 350, which includes returning results, the system 100 functions to deliver the results as a response to the request. Returning the results includes transforming the data obtained from the external institution into a normalized form. The information is formatted into a standardized format that is substantially similar in representation between different institutions served by the system 100. Transforming the data can additionally include processing, supplementing, and/or otherwise enhancing information. Some information provided by an institution may be poorly formed. For example, store information for a particular transaction may be poorly labeled and may be represented different from other institutions. Such contextual information about external entities can be cleaned and/or supplemented with additional information. For example, an entity may be supplemented with categorical labels, tags, geolocation information, and/or other suitable information. The returned results can be represented in data formats such as JSON, XML, or any suitable format.

The method can additionally optionally include block 320, which includes setting up a session through a proxy instance that was previously created, and functions to facilitate accessing information after negotiating a proxy instance for an account and institution. The proxy instance may store and maintain information required for subsequent access. The external institutions may restrict access to set sessions, which may expire after some amount of time or may require reconfirming user credentials. Thus, when an API request for an account occurs after a communication session has expired, then the method may automatically set up a new session using the previous user credentials and proxy instance credentials. In some variations, MFA challenges, such as security questions, may be automatically completed.

The method can additionally include re-capturing updated credentials, which functions to update user credentials for an institution. Updated credentials may be updated when a user changes them within the institution or when the proxy instance is otherwise locked out of the account. An error may occur indicating that a communication session was not successful, and then an API request can be submitted to update a proxy instance with new credentials.

Referring again to FIG. 1, in some implementations, the external user account system of the external institutions may include public web browser interfaces. For example, as shown in FIG. 1, the Payroll Provider 1 system 141 may include a web browser interface 191 for accessing the Payroll Provider 1 system 141 via a web browser (or any suitable web client) (e.g., web browser 181 of the user device 173). As described herein and further below in reference to FIGS. 6 and 7, the system 100 provides access to the user account data via private, proprietary APIs (e.g., API 161) of external institutions, as opposed to access via a public web browser interface 191. In some implementations, the web browser interface 191 is a web server that hosts a web site for access of the external institution system via a web browser over the Internet.

FIG. 4A illustrates aspects of the application proxy system 120, according to an embodiment. As shown in FIG. 4A, the application proxy system 120 includes application proxy instances (e.g., proxy instances 421, 422, 423, 424, and 425) for user accounts (e.g., user accounts 411, 412 and 413) of developer accounts (e.g., Dev Account B 431 and Dev Account A 432) at the system 100. The application proxy system 120 includes an application proxy instance management module 441 that is constructed to generate application proxy instances, configure application proxy instances, remove application proxy instances, and/or the like.

In some implementations, each application proxy instance (e.g., proxy instances 421, 422, 423, 424, and/or 425), specifies a developer account, a user account of the developer account, an associated external user account system (e.g., an external institution), and credentials of the user account for the external institution, as shown in FIG. 4B. In some implementations, each application proxy instance specifies properties of the application proxy instance. In some implementations, properties include one or more of a unique user identifier code, an authentication token, a MAC address (e.g., a MAC address of a user device 171 and/or 172), or any suitable information.

In some implementations, the application proxy instance management module 441 creates the application proxy instance responsive to a request to create an application proxy instance. In some implementations, the request to create an application proxy instance specifies information identifying an external user account system, and a user account of an external user-facing system/application (e.g., a user account of the external user-facing system/application 152 of FIG. 1). In some implementations, the request to create an application proxy instance specifies user credentials for the external user account system. In some implementations, the request to create an application proxy instance specifies information identifying an account of the system 100 associated with the external user-facing systems/application. In some implementations, the request to create an application proxy instance specifies properties for the application proxy instance. In some implementations, properties for the application proxy instance include at least one of a unique user identifier code, an authentication token, a MAC address, user accounts of the corresponding external user account system, and/or any other suitable information.

In some implementations, the application proxy instance management module 441 stores the created application proxy instance in association with a user account (e.g., “User A” 411 of FIGS. 4A and 4B) of an external user-facing system/application (e.g., a user account of the external user-facing system/application 152 of FIG. 1). In some implementations, the application proxy instance management module 441 stores the created application proxy instance in association with an account (e.g., “Dev Account B” 431 of FIGS. 4A and 4B) of the system 100 associated with an external user-facing system/application (e.g., a user account of the external user-facing system/application 152 of FIG. 1). In some implementations, the application proxy instance management module 441 stores the created application proxy instance (e.g., “Proxy Instance User A Payroll Provider 1” 421 of FIGS. 4A and 4B) in association with an account (e.g., “Dev Account B” 431) of the system 100 associated with an external user-facing systems/application, and a user account (e.g., “User A” 411) of the external user-facing systems/application. In some implementations, the application proxy instance management module 441 stores the created application proxy instance in association with an account of the system 100 associated with an external user-facing systems/application, a user account of the external user-facing systems/application, and information identifying the external user account system (e.g., “Payroll Provider 1 141” of FIG. 4B) of the application proxy instance. In some implementations, the application proxy instance management module 441 stores the created application proxy instance in association with an account of the system 100 associated with an external user-facing systems/application, a user account of the external user-facing systems/application, information identifying the external user account system of the application proxy instance, and information identifying user accounts of the application proxy instance.

In some implementations, creating the application proxy instance includes controlling the application proxy instance management module 441 to construct the application proxy instance to simulate communication, register, negotiate registration, and/or the like, of an application (e.g., application 153 of FIG. 1) (of the external user account system of the application proxy instance) with the external user account system on behalf of the user account (e.g., “User A”, “User B”) of the application system.

Additional examples and details of accessing user account data via proxy instances of the system may be found in U.S. patent application Ser. No. 14/790,840, filed Jul. 2, 2015, and titled “SYSTEM AND METHOD FOR PROGRAMMATICALLY ACCESSING FINANCIAL DATA” (referred to herein as “the '840 application”). The entire disclosure of this application is hereby made part of this specification as if set forth fully herein and incorporated by reference for all purposes, for all that it contains.

As mentioned above, the system 100 may also be used, via the API 110, to access various types of user account data, including documents (such as statements). The system 100 may also be used, via the API 110, to initiate transactions (such as a transfer of funds between accounts, schedule payments, etc.). The system 100 may also be used, via the API 110, to update account information or request services. Additional examples and details of such functionality of the system is provided below, and may also be found in the '840 application.

IV. Example Systems and Methods for Programmatically Verifying Transactions

FIG. 5 is a flowchart illustrating an example method of processing transactions, according to an embodiment. As shown in FIG. 5, the method can include acquiring user account (also referred to herein as “institution account”) credentials (block 510), receiving a transaction request (e.g., direct deposit switches, updates, or changes) associated with at least one endpoint (block 520), collecting transaction information of the endpoint (block 530), and returning a transaction response (block 540). In some embodiments, the method can optionally include executing the transaction (block 550), which functions to process the transaction between two endpoints. In some embodiments, the method does not perform execution of the transaction, receiving the transaction request functions to initiate the retrieval of transaction addressing information of the at least one endpoint, collecting transaction information of the endpoint includes collecting transaction addressing information of the endpoint, and returning a transaction response functions to transmit the collected transaction addressing information of the endpoint. The method functions to leverage account access during the transaction process. Variations of the method can be used to add functionality such as verifying account information used in financial transfers, programmatically transferring funds, setting programmatic events, catching errors and fraud, performing conditional processing of a transaction, and/or other suitable operations. The method may be performed by the system 100. In some implementations, the transactions are automated clearing house (ACH) transactions, but any suitable type of transaction may be used. In a first implementation, the method enables a customer/developer, via the API 110, to obtain verified ACH endpoint information. For example, an account number and a routing number may be obtained, as well as verification of ownership of the account. In this variation, the system 100 provides the information to execute the transaction. In another embodiment, the method additionally executes the transaction having obtained the required information and verification. The method of FIG. 5 may be implemented by the system 100, but the method may alternatively be implemented by any suitable system.

FIG. 6 is a simplified block diagram of the computing system and network environment of FIG. 1, according to an embodiment. The method of FIG. 5 is described below in reference to certain aspects of FIG. 6 (or, alternatively, FIG. 1).

At block 510, which includes acquiring institution account credentials, the system 100 functions to obtain login information for an institution (e.g., the payroll provider/institution 142). The institution account credentials may include a username and password. The account may be an account of an external institution. Additionally, an institution may include additional authentication challenges such as a pin code, security questions, single-use passwords, secondary device code verification, biometric identification, and/or any suitable form of multi-factor authentication (MFA), as described above. Such additional authentication challenges may be collected at the same time of the account credentials, but the MFA authentication process may alternatively be defined in the API protocol. For example, if the primary account credentials are not sufficient, the MFA challenge may be returned in a response, this additional credential request can be repeated as required before access to the account is obtained. The institution account credentials can additionally be stored, and automatically used to complete subsequent access or login attempts.

The account credentials may be provided through an API request of a customer/developer or application of the customer/developer to the API 110. The API 110 may be used in establishing, setting up, or enrolling a new user account. One user may have at least one associated user account at an external institution, but may be linked or associated with multiple user accounts at multiple external institutions. Account credentials may be obtained for each user account.

At block 520, which includes receiving a transaction request associated with at least one endpoint, the system 100 functions to initiate the retrieval of transaction addressing information of an endpoint. The endpoint may be a transaction endpoint, which may be any suitable endpoint from which funds may be withdrawn or deposited. In a common transaction, there is a single withdrawal account and a single deposit account. The method can be used in obtaining information for one or more endpoints. In some variations, there may be a plurality of withdrawal and/or deposit accounts. In one variation, the transaction request is identical to an enroll user request used to obtain the user credentials of block 510. The account credentials may alternatively be previously obtained or obtained in response to the transaction request.

In one variation, in which the transaction request is for information about an account, the API request may specify an institution and account credentials. Additional credentials may additionally be required such as a pin code, state in which an account was created, or MFA challenge answers. A second request with similar parameters may be submitted to obtain the account credentials for other involved transaction endpoints.

In another variation, the transaction request may explicitly define the transaction details. The transaction request may include at least one withdrawal account endpoint and deposit account endpoint. Account credentials may be specified for each endpoint. In one variation, a single API request may include account credentials for both endpoints. In another variation, a transaction resource is used, such that withdrawal endpoint information, deposit account information, and transaction details can be specified asynchronous. For example, a transaction resource is created through an API request via API 110. Later, an API request hits the new transaction resource (by specifying a transaction identifier) to specify withdrawal information, then deposit information, and then the amount to be transferred. Once all the information is populated, the transaction may be executed either automatically, in response to an executed command, or scheduled for a later time. Bulk, aggregate, or group transactions may additionally be specified in a request. If multiple entities are withdrawal endpoints, then the division of funds may be specified (e.g., a percentage breakdown or amount breakdown). Similarly, funds for multiple deposit endpoints may be specified.

At block 520, which includes collecting transaction information of the endpoint, the system 100 functions to access and determine properties of a transaction endpoint. Collecting transaction information of the endpoint may involve using the account credentials to gain account access in an institution. The account access may be facilitated by using a proxy application, as described above. The account access can be used to request and obtain account documents that include endpoint information. The account documents may include pay or payroll statements or other suitable documents. If the documents are in PDF or other alternative formats, the content may be scraped to identify transaction information.

At block 530, the system 100 collects transaction information and/or transaction addressing information of the endpoint. The account addressing information may be the account number and the routing number of an account. Billing address, wire routing number, and/or other account information can additionally be pulled. In one variation, the account number and routing number are available in pay or payroll statements. An extraction script may be used to pull the document and then isolate the information from the document. Accessing the account number and the routing number in an automated fashion may avoid chances of error. As a first benefit, access to the account provides evidence that the owner of the account participated in providing the transaction endpoint information. As another benefit, the information is automatically pulled, which avoids human error.

Collecting transaction information of the endpoint, at block 530, may additionally include collecting transaction status information of the endpoint, which can include indication of fund requirements, account fraud checks, and other status information. Various stages can be built into providing the transaction information, which provide different safeguards and/or features into financial transactions.

In a first optional stage, the transaction status information can determine a sufficient funds status. The sufficient funds status may be applied to a withdrawal account to ensure that the account has funds to complete the transaction. Transaction history and/or current fund value may be accessed through the account access. In one variation, the fund amount is returned in the response such that the customer/developer/application can respond appropriately. In another variation, the transaction amount is compared to available funds. If sufficient funds are not found, then an error or warning may be raised.

In another optional stage, the account may be processed for fraud patterns. For example, the age of the account may be accessed. Newly created accounts may be less trustworthy than established accounts with significant history. Similarly, transaction history may be assessed for fraudulent behavior. If the account is used for a diverse range of transactions indicative of normal behavior, then the account may be identified as normal. If the account only participates in repeated high value transactions or other fraud patterns, then the account may be flagged as fraudulent. Additionally, the entities involved in the transaction may be indicative of fraud.

The method may additionally include verifying transaction conditions during one or more stages. Transaction conditions may be used to take any suitable action. The available actions can include permitting a transaction or preventing a transaction. Additionally, the action can include sending a notification. The notification can include an email, text message, a platform message, a phone call, or any suitable notification. The action may additionally include triggering a programmatic event. In one variation the programmatic event is a callback event, wherein an HTTP message is sent to a destination. Conditions may be customized or selected from a set of provided conditions. Example conditions can include a condition that triggers a notification for transactions over a particular amount; a condition based on available funds after the transaction to alert a user to funds below a threshold; and a condition based on the frequency of transactions or the entities involved in the transaction account. Conditions can be scoped for a developer account, a particular institution account, or for any suitable scope of entities.

At block 540, the system 100 returns a transaction response so as to transmit the results of the transaction request. The transaction response may be made in a synchronous API message from the API 110 that is sent in response to an initial request. Alternatively, a status API resource may be used such that an application/service can periodically check the status API resource to determine the processing status and/or the results. Alternatively, any suitable approach may be used to provide the results to the initial request.

In an implementation, the response provides the addressing information used for an endpoint. If there are no errors or warnings with respect to the account, then account information may be NACHA compliant as the endpoint information was accessed and obtained in a manner that validates the ownership of the account (e.g., by providing credentials and optionally multi-factor authentication responses). The transaction response can include the account number, the routing number, and/or any additional information for the endpoint that is used in executing the transaction. The transaction response may additionally include the available funds, such that the requesting entity can check for sufficient funds. The response may additionally indicate if sufficient funds are available if the transaction amount was provided, which functions to hide the available funds from the requesting entity while preventing overdraft transaction. The transaction response can additionally include other fields such as a status field, where the account may be labeled according to any categorization of the account. For example, the status may indicate that the account is normal or fraudulent.

Additionally or alternatively, the method can include optional block 550. At block 550 the system 100 executes the transaction, which functions to process the transaction between two endpoints. In this variation a request to execute a transaction between at least two endpoints is received. Additionally, returning a transaction response may include returning results of the transaction in the response. In another implementation, the method includes executing the transaction. The transaction response can include information about the status of the transaction when the transaction is submitted, being processed, and/or completed. Transactions may not be instantaneous, and as such the initial transaction response may indicate if the transaction was successfully initiated. Successfully initiated means that the transaction endpoint information was successfully retrieved, that any conditional stages (such as a sufficient funds stage, a fraud-check stage, and custom conditions) are satisfied. A subsequent response or status resource may be updated that reflects the status of the transaction. A transaction resource may be updated with a pending process, when the transaction is initiated and proceeding normally. The transaction resource can be updated with a completed status possibly indicating the time of completion. If an error or issue is encountered, the status of the transaction resource may be updated to reflect the error or issue. The method may additionally include monitoring status of transaction and triggering programmatic event according to the status.

In one variation, executing the transaction can include establishing proxy accounts in at least two institutions, and expediting transactions between the two institutions through an internal deposit to a first proxy account in a first institution and a second internal deposit from a second proxy account in the second institution. In some cases, transactions between institutions are slower than transactions made within an institution. By establishing a cross institution account network, transactions can be facilitated between two accounts in different institutions with similar speeds of internal transactions. The proxy accounts may include a funds reserve, which may be periodically balanced between proxy accounts to maintain an operational reserve of funds.

Additionally, the method may be applied to create an abstraction between a user and the underlying account. A transaction endpoint can be abstracted to a user entity, which may be associated with multiple optional transactional endpoints (e.g., different payroll accounts). Accordingly, the method may include selecting an institution, which functions to dynamically select a connected account to participate in a transaction. Various conditions may be set to respond to events when receiving a transaction request, collecting information for the transaction, and/or executing a transaction. In one variation, one institution is set as a primary account and another account managed by the same entity is set as a secondary account. If the primary account is not able to complete a transaction, the method may detect an error condition and automatically fails over to the secondary account. In another variation, a set of accounts may be preconfigured to be used depending on properties of the request. In combination with the proxy transfer endpoint, the identifying information for the proxy endpoint can be used, but the underlying service automatically will use an automatically selected account to use for the funds. For example, a set of entities and/or category of entities/transactions may be set to use particular accounts. Similarly, transactions to one proxy account may be automatically split into transactions with multiple associated accounts. For example, an account holder may set a proxy account to automatically split deposits between two accounts in a 30/70 balance.

Referring now to FIG. 6, the system 100 functions to provide an interface (e.g., via the API 110) for applications and services that can facilitate the process of transferring funds. The system 100 can function to provide verified account information used in ACH transfers, to execute transfer of funds, to enable programmatic events during transfer process, to mitigate risk and errors, and/or provide alternative transaction functionality. As described above in reference to FIG. 1, the system 100 is part of a larger API platform, which provides an API to access account data and execute transactions, among other items. In some variations, the system 100 is part of a multi-tenant API platform that enables a plurality of developers to create accounts and build applications and/or services that leverage the API of the API platform. In alternative variations, the system 100 is part of a single-tenant API platform and may provide an internal API for a dedicated set of products or services. For example, a product may be built on top of the API platform that enables end users to create accounts to manage accounts with one or more institutions (e.g., payroll providers/institutions, credit card companies, investment managers, etc.).

The API 110 functions to provide an interface for accessing institution transaction endpoint information. The API 110 can additionally provide a normalized customer facing interface. In one implementation, the API 110 leverages an application proxy instance 121, which simulates a proprietary first-party application accessing a closed API of an institution (e.g., the institution 142). The system 100 can include additional components or services that particularly facilitate the access of information relating to a transaction endpoint. For example, a service, script, or module can be configured to access statements or other suitable documents that can contain endpoint information such as account number and routing number information. The statements or information may be contained in pdf or other suitable document formats. The system 100 can include document readers that can access and extract the requested information from the statements.

In one variation, the API 110 allows an API request to specify an account, and a response output provides the information related to executing a transaction with the endpoint. In one implementation, the API 110 can include at least one API resource for interacting with the transaction endpoint. As shown in FIG. 7, an endpoint information request can include institution credentials of an account. The credentials can include username and password. The API protocol can additionally provide a mechanism for completing multi-factor authentication challenges such as security questions, or code-based multi-factor authentication. The API request may additionally include other properties such as developer account identifiers, API authentication tokens, institution type identifiers, and other suitable parameters. The response is a data object that includes at least automatically obtained information such as tracking number, routing number, and/or wire routing number. Additional response information can include funds amount (or alternatively a Boolean indicator if the funds are sufficient), an account status (e.g., is the account fraudulent, trusted, etc.), billing address of the account, name of the institution, type of account (e.g., saving, depository, etc.), and other suitable properties. Other API properties or features can include a mechanism to specify if endpoint information is requested or if the transaction should be executed.

The institution interface module 132 functions to model the internal interface of at least one first-party application with an external institution (e.g., institution 142). The account credentials of a user account (and optionally multi-factor authentication credentials) can be used for an application proxy to gain access to an institution through the institution interface module. The system 100 may additionally include a transaction engine 193, which can facilitate the transfer of funds between two accounts. The transaction engine 193 can be integrated with the API 110, such that an API request can direct the execution of a transaction. The transaction engine 193 can execute ACH transactions, but may alternatively or additionally use other financial tools to withdraw funds and/or deposit funds. With a transaction engine, transactions can be executed between two accounts that have been configured with account credentials. The API response may include the status of the transaction, transaction errors, a status URI or any suitable response to facilitate executing a transaction as shown in FIG. 8. In one variation, proxy accounts can be used in different institutions. With sufficient reserves, transfers between institutions can be expedited by transferring funds to and from the proxy accounts, and then asynchronously updating the proxy accounts.

The system 100 can additionally include other aspects such as a messaging/notification system, which can manage alerts and/or triggering programmatic events (e.g., callbacks), an engine for generating user interfaces and/or user interface data, and/or the like. The system 100 may additionally or alternatively include any other suitable components to implement the functionality of described in the present disclosure.

In some implementations, the system 100 includes a document processing engine 194. In some implementations, the document processing engine 194 is constructed to process account documents (e.g., account documents 192) of an external user account system (e.g., payroll system 142) of an external institution. The account documents may be processed to identify and/or obtain transaction information. In some implementations, in a case where the documents are in a PDF format, the document processing engine 194 is constructed to scrape content of the PDF documents to identify the transaction information. In some implementations, the document processing engine 194 is an extraction script that is constructed to pull the document and then isolate the transaction information from the document (e.g., as described above in reference to FIG. 5). In some implementations, the system 100 accesses the document, stores the accessed document (e.g., in a memory or other storage medium of the system 100), and then controls the document processing engine to process the stored document to identify the transaction information.

FIGS. 9-10 are flowcharts illustrating example methods of processing transactions, according to various embodiments. The methods of FIGS. 9-10 are described below in reference to certain aspects of FIG. 1 (or, alternatively, FIG. 6).

Referring to FIG. 9, a method for processing a normalized API request at the system 100 includes: receiving a normalized API request associated with at least one account endpoint, the normalized API request being provided by an external user-facing system/application (e.g., system/application 152 of FIG. 1) by using API 110 of the system 100, the normalized API request specifying account credentials of each account endpoint of the normalized API request (block 910).

Responsive to the normalized API request: transaction information of each account endpoint of the normalized API request is collected by using an application proxy instance (e.g., one of proxy instances 121, 122, and/or 123 of FIG. 1) associated with the account endpoint to collect the transaction information from a corresponding institution system (e.g., an external user account system 141, 142, and/or 143 of FIG. 1) by using the associated account credentials specified by the normalized API request and a proprietary API) (e.g., one of APIs 161, 162, and/or 163 of FIG. 1) of the system 100 (block 920).

Further, a normalized API response is provided to the external user-facing system/application (block 930). The normalized API response provides the transaction information of each account endpoint of the normalized API request. Each application proxy instance is constructed to simulate an application of the corresponding external institution system.

In some implementations, the collected transaction information for each account endpoint includes at least an account number and a corresponding routing number for use in automated clearing house (ACH) transactions. In some implementations, the transaction information is collected by processing at least one statement accessed from the corresponding external institution system.

Additional examples and details of obtaining transaction and account information via proxy instances of the system may be found in U.S. patent application Ser. No. 14/790,897, filed Jul. 2, 2015, and titled “SYSTEM AND METHOD FOR FACILITATING PROGRAMMATIC VERIFICATION OF TRANSACTIONS” (referred to herein as “the '897 application”). The entire disclosure of this application is hereby made part of this specification as if set forth fully herein and incorporated by reference for all purposes, for all that it contains.

Referring to FIG. 10, a method for processing a normalized API request at the system 100 includes: receiving a normalized API request associated with at least one account endpoint (block 1010). The normalized API request is provided by an external application system by using a platform API of the platform system. The normalized API request specifies a transaction and at least one of an account token and account credentials of each account endpoint of the normalized API request.

Responsive to the normalized API request, transaction information of each account endpoint of the normalized API request is collected (block 1020). The transaction information is collected by using an application proxy instance associated with the account endpoint to collect the transaction information from a corresponding institution system by using at least one of an associated account token and associated account credentials specified by the normalized API request and by using a proprietary API of the institution system.

The transaction specified by the normalized API request is executed by using the collected transaction information (block 1030). A normalized API response is provided to the external system (block 1040). The normalized API response provides results of the transaction. Each application proxy instance is constructed to simulate an application of the corresponding external institution system.

In some implementations, the collected transaction information for each account endpoint includes at least an account number and a corresponding routing number for use in automated clearing house (ACH) transactions.

In some implementations, the transaction information is collected by processing at least one statement accessed from the corresponding external institution system.

In some implementations, the transaction information (and/or any other account-related information) is collected via one or more of: an application proxy instance, screen scraping (e.g., of a webpage of the institution), an API request to an API of the institution (e.g., that the system is authorized to access), or any combination of these methods.

Additional examples and details of such functionality of the system may be found in the '897 application.

In some implementations, the user information of the normalized API request includes a user account identifier for each user account of the external user-facing system/application (e.g., the external user-facing system/application 152) corresponding to the normalized API request.

In some implementations, the normalized API request includes parameters as shown in Table 1.

TABLE 1 NORMALIZED API REQUEST PARAMETER DESCRIPTION <Platform Account ID> An account of an external user-facing system/application (e.g., “Dev Account A”, “Dev Account B” of FIGS. 1 and 4A-4B). <User Account Identifier> An identifier that identifies a user account of the application system identified by the <Platform Account ID> parameter. <Institution ID> An identifier that identifies an external institution system (e.g., institutions 141, 142, and/or 143).

In some implementations, the <User Account Identifier> is used to select at least one corresponding application proxy instance, and each selected application proxy instance includes user credentials (e.g., as depicted in FIG. 4B) to access the associated institution system.

In some implementations, the system 100 determines an application proxy instance associated with the normalized API request based on the <Platform Account ID> parameter, the <User Account Identifier> parameter, and the <Institution ID> parameter. In some implementations, the system 100 identifies an application proxy instance of the application proxy system 120 that is managed in association with the <Platform Account ID> parameter, the <User Account Identifier> parameter, and the <Institution ID> parameter, and uses the identified application proxy instance to collect the transaction information.

In some implementations, each proprietary API request includes parameters as shown in Table 2.

TABLE 2 PROPRIETARY API REQUEST PARAMETER DESCRIPTION <User Credentials> The user credentials of the corresponding normalized API request. The user credentials are specified by the application proxy instance, e.g., 421-425, (e.g., as shown in FIG. 4B) used to provide the proprietary API request.

In various other implementations, the normalized API requests and/or the proprietary API requests may include other sets of parameters, depending on the specifics of the APIs and the types of requests involved. For example, other requests may include identifier tokens, multiple account identifiers (e.g., when requesting transfer of funds), etc. Additional examples and details of such other types of requests and functionality of the system may be found in the '897 application.

In some implementations, the system may send various types of alerts and/or other indications to a user device (e.g., user devices 171, 172, and/or 173). These various types of alerts and/or other indications may activate one or more applications (e.g., an SMS (simple message service) and/or MMS (multimedia messaging service) process and/or application, an email process and/or application, a process and/or application related to the system, a first-party and/or third-party process and/or application (e.g., of an institution and/or a user-facing application/service), and/or the like) on the user device. For example, as described herein, alerts may be communicated with the user device for the purpose of completing a multi-factor authentication process. In such an example, an SMS message with a secret/authentication code may be communicated to the user device, activating an SMS process and/or application (and/or another process and/or application) on the user device. Such an alert may be sent by the system and/or an institution system. In another example, the system may send alerts to the user device regarding access to a user account of the user, a transaction, and/or the like. Such alerts may notify the user that a new transaction has posted to their account, that a transaction has posted for a particular amount, a transaction has been denied, and/or the like. Such alerts may comprise SMS messages, email messages, and/or other types of messages that may activate various processes and/or applications, as described above. In yet another example, the system may send an alert to the user device including an account document, which may cause a process and/or application suitable for reading the account document to be activated on the user device.

V. System Architecture

FIG. 11 is an architecture diagram of the system 100 according to an implementation in which the system is implemented by a server device. Alternatively, the system may be implemented by a plurality of devices, in a hosted computing environment (e.g., in a cloud server), and/or in any other suitable environment.

The bus 1102 interfaces with the processors 1101A-1101N, the main memory (e.g., a random access memory (RAM)) 1122, a read only memory (ROM) 1104, a computer readable storage medium 1105 (e.g., a non-transitory computer readable storage medium), a display device 1107, a user input device 1108, and a network device 1111.

The processors 1101A-1101N may take many forms, such as ARM processors, X86 processors, and/or the like.

In some implementations, the system includes at least one of a central processing unit (processor) and a multi-processor unit (MPU).

The processors 1101A-1101N and the main memory 1122 form a processing unit 1199. In some embodiments, the processing unit includes one or more processors communicatively coupled to one or more of a RAM, ROM, and computer readable storage medium; the one or more processors of the processing unit receive instructions stored by the one or more of a RAM, ROM, and computer readable storage medium via a bus; and the one or more processors execute the received instructions. In some embodiments, the processing unit is an ASIC (Application-Specific Integrated Circuit). In some embodiments, the processing unit is a SoC (System-on-Chip). In some embodiments, the processing unit includes one or more of an API, an application proxy system, one or more instance interface modules, account documents, a transaction engine, a document processing engine, and/or any other functionality or aspects of the system as described herein.

The network adapter device 1111 provides one or more wired or wireless interfaces for exchanging data and commands between the system and other devices, such as external user account systems (e.g., institutions 141, 142, and/or 143), external user-facing systems/applications (e.g., applications 151 and/or 152), user devices (e.g., user devices 171 and/or 172), and/or the like. Such wired and wireless interfaces include, for example, a universal serial bus (USB) interface, Bluetooth interface, Wi-Fi interface, Ethernet interface, near field communication (NFC) interface, and/or the like. In some embodiments, the system communicates with other devices via the Internet.

Machine-executable instructions (e.g., computer readable program instructions) in software programs (such as an operating system, application programs, and device drivers) are loaded into the memory 1122 (of the processing unit 1199) from the processor-readable storage medium 1105, the ROM 1104 or any other storage location. During execution of these software programs, the respective machine-executable instructions are accessed by at least one of processors 1101A-1101N (of the processing unit 1199) via the bus 1102, and then executed by at least one of processors 1101A-1101N. Data used by the software programs are also stored in the memory 1122, and such data is accessed by at least one of processors 1101A-1101N during execution of the machine-executable instructions of the software programs. The processor-readable storage medium 1105 includes an operating system 1112, software programs/applications 1113, device drivers 1114, the API 110, the application proxy system 120, the institution interface modules 131, 132, and 133, and account documents 192. In some implementations, the processor-readable storage medium 1105 includes the transaction engine 193 and the document processing engine 194. Further details regarding the system architecture are described below.

VI. Example Network Environment of the System when Implementing Permissions Management

FIG. 12 illustrates an example network environment 1200 in which a permissions management system 1204 may operate, according to an embodiment. As shown, the network environment includes the permissions management system 1204, an external user account system 1206, an external user-facing system/application 1208, a permissions plug-in 1210, a permissions plug-in 1211, a user computing device 1214, and a user 1216. The various aspects of the network environment 1200 may communicate via a network/Internet 1202. The network/Internet 1202 may comprise a wired and/or wireless network, and/or in certain embodiments may comprise one or more wired and/or wireless network. The various components of the network environment 1200 may communicate via the network/Internet 1202, and/or alternatively may communicate directly with one another via one or more other wired or wireless connections. In some embodiments, the permissions management system 1204 may include the functionality of the system 100 described above, and/or the functionality of the system 100 described above may be implemented in one or more other computing systems in the network environment 1200. For clarity of description, however, the following description assumes that the permissions management system 1204 includes the functionality of the system 100 described above.

Additionally, the external user account system 1206 may comprise a system of an institution (e.g., one of institution systems 141, 142, and/or 143), and while more than one the external user account system 1206 may be involved in communication with the permissions management system 1204, one external user account system 1206 is shown in FIG. 12 for purposes of clarity.

Further, external user-facing system/application 1208 may comprise the system and/or application, merchant, and/or the like, with which the user may interact. For example, the user 1216 may interact with the external user-facing system/application 1208 via the user computing device 1214. In one example, the external user-facing system/application 1208 may comprise an app, and/or web-based application, running on and/or rendered by the user computing device 1214 (e.g., a mobile device, and/or the like), as described above (e.g., in reference to app 151 and/or 152).

In an embodiment, the external user-facing system/application 1208 may include the permissions plug-in 1210. The permissions plug-in 1210 may comprise a software/code module, snippet, and/or the like, which may be integrated into the external user-facing system/application 1208. The permissions plug-in 1210 may be provided by the permissions management system 1204 and/or the external user account system 1206 such that the external user-facing system/application 1208 may include functionality provided by the permissions management system 1204 (either directly or indirectly via the external user account system 1206). In one implementation, the permissions plug-in 1210 comprises JavaScript code (or code written in any other programming language) integrated into the external user-facing system/application 1208. The JavaScript code, when executed, may communicate with the permissions management system 1204 and/or the external user account system 1206 to provide certain functionality as described herein. Advantageously, in some implementations, the permissions plug-in 1210 may generate interactive user interfaces that may be presented to the user 1216. Information may be obtained from the user 1216 via the interactive user interfaces of the permissions plug-in 1210 (e.g., account credentials, and/or the like). The permissions plug-in 1210 may obtain such information, and communicate the information to the permissions management system 1204 and/or the external user account system 1206 in a secure manner such that the external user-facing system/application 1208 does not have access to the information provided by the user 1216.

Further, the permissions plug-in 1210 may advantageously handle establishing secure communications with the permissions management system 1204 and/or the external user account system 1206, and/or other functionality as described herein, such that a developer of the external user-facing system/application 1208 need not be concerned with these aspects (thus speeding development of the external user-facing system/application 1208).

In an embodiment, the user computer device 1214 may include the permissions plug-in 1211 that functions similarly to the permission plug-in 1210 described above. Similar to the permissions plug-in 1210, the permissions plug-in 1211 may comprise a software/code module, snippet, and/or the like. The permissions plug-in 1211 may be integrated into another software application executed by the user computing device 1214 (e.g., a software application dedicated to enabling communications with, e.g., the external user account system 1206) or may otherwise be executable by the user computing device 1214 (e.g., by a web browser of the user computing device 1214). The permissions plug-in 1211 may be provided by the permissions management system 1204 and/or the external user account system 1206 such that the user computing device 1214 may include functionality provided by the permissions management system 1204 (either directly or indirectly via the external user account system 1206). In one implementation, the permissions plug-in 1211 comprises JavaScript code or code written in any other programming language. The JavaScript code, when executed, may communicate with the permissions management system 1204 and/or the external user account system 1206 to provide certain functionality as described herein. Advantageously, in some implementations, the permissions plug-in 1211 may generate interactive user interfaces that may be presented to the user 1216. Information may be obtained from the user 1216 via the interactive user interfaces of the permissions plug-in 1211 (e.g., account credentials, and/or the like). The permissions plug-in 1211 may obtain such information, and communicate the information to the permissions management system 1204 and/or the external user account system 1206 in a secure manner such that the external user-facing system/application 1208 does not have access to the information provided by the user 1216. Further, the permissions plug-in 1211 may advantageously handle establishing secure communications with the permissions management system 1204 and/or the external user account system 1206, and/or other functionality as described herein, such that a developer of the external user-facing system/application 1208 need not be concerned with these aspects (thus speeding development of the external user-facing system/application 1208).

In addition to the detailed description of the functionality provided below, additional examples and details may be found in U.S. Provisional Patent Application No. 62/215,603, filed Sep. 8, 2015, and titled “Link,” and U.S. Patent Application Publication No. 2017/0070500, published Mar. 9, 2017, and titled “SECURE PERMISSIONING OF ACCESS TO USER ACCOUNTS, INCLUDING SECURE DEAUTHORIZATION OF ACCESS TO USER ACCOUNTS,” the entire disclosures of each of which are hereby made part of this specification as if set forth fully herein and incorporated by reference for all purposes, for all that they contain.

Examples of interactive user interfaces enabled by the permissions plug-in 1211 are described below in reference to, for example, FIGS. 14A-14N, 16A-16E, and 20A-20E.

VII. Direct Deposit Switches with Payroll Institutions

In accordance with one or more aspects of the present disclosure, provided are systems and techniques for facilitating direct deposit switches or changes. For example, a user may be setting up a new account at a bank, and such a system would enable efficient and automated transitions of various third-party payments and transfers from an old account to a new account. In related aspects, the updated allocations or changes may default to a partial or whole allocation to the new account.

Further, direct deposits may be configured such that one's paycheck goes to more than one bank account. Accordingly, the permissions plug-in 1210 and/or the permissions plug-in 1211 may be configured to allow users to apply custom configurations to their direct deposits. The permissions plug-ins 1210 and 1211 are, individually, collectively, and synonymously referred to herein as a client-side interface or “Link”, according to various embodiments. The client-side interface provides a quick and secure way to integrate with an API, and handles credential validation, multi-factor authentication, and error handling for each supported institution.

FIG. 13A is an architecture schematic illustrating further aspects of a computing environment 1300 that may facilitate accessing user payroll account data from one or more external user account systems 1206 (also synonymously referred to herein as, e.g., external payroll account systems, payroll institutions, payroll providers, and/or the like, accordingly to various embodiments), and thereby facilitate changes to direct deposits and allocations of deposits.

The computing environment 1300 may comprise the user computing device 1214 (also synonymously referred to herein as, e.g., client 1310), client-side interface 1320 (also synonymously referred to herein as, e.g., Link, permissions plug-in 1210 and/or permissions plug-in 1211), and the permissions management system 1204.

The permissions management system 1204 may include an API 1330 (e.g., API 110), a database 1340 (e.g., one or more in-memory key-value databases with optional durability, such as Redis or the like), a scheduler 1350, a gateway 1360 (e.g., one or more institution interface modules 131-133) configured to communicate with one or more payroll institutions, an information management system (IMS) 1370, a batch 1380, and a cross-platform document-oriented database 1390 (e.g., Mongo), wherein each of the components of the permissions management system 1204 are configured to be in direct or indirect operative communication with each other, as well as with the user computing device 1214, the permissions plug-in 1210 and/or the permissions plug-in 1211.

The client 1310 may comprise a user device (e.g., the user device 171 or 172 of FIG. 1) which may be configured to, in use, send an instruction (e.g., “/deposit switch/create”) via the API 1330 to an endpoint, such as the database 1340. The API 1330 may receive the instruction from the client 1310 and send a translated instruction (e.g., “create+cache token→data”) to the database 1340. The database 1340 may comprise code configured to create a deposit switch token that corresponds to a targetable bank account to which a direct deposit will be switched. The client-side interface 1320 is initialized with this token.

The database 1340 may respond to the client 1310 with a public access token via the API 1330. The token may have a defined time to live (TTL), such as, e.g., 30 minutes. The client 1310 may initialize the client-side interface 1320 with the token. The client-side interface 1320 sends a “/link/item/create” request with login credentials for the payroll institution to the API 1330, wherein the request may include a switch ID or the like. The API 1330 may send a “get data from token” instruction to the database 1340, which in turn may return data from “/deposit switch/create” to the API 1330.

In related aspects, “/deposit_switch/create” may create a Deposit Switch token, which the client-side interface 1320 will take in to initiate a Deposit Switch flow. Data that the client-side interface 1320 may ask for verification purposes may include the target account and an owner identify. For example, the client-side interface 1320 may verify that: the provided Access Token maps to an item owned by an external user-facing system/application 1208 (e.g., a neobank client); the account has an “owner” (identity) attached to it; the account is a valid subtype (checking or savings); the account has a valid name (non-empty string); the account and routing numbers pass soft validation checks; and/or the account has valid identify fields. If an input to the client-side interface 1320 does not pass validations, the client 1310 will receive an error notification detailing the failure.

The API 1330 may send an updateDirectDeposit method call to the scheduler 1350, which in turn may send an instruction, such as, e.g., Login, getAllocations, to the gateway 1360. The gateway 1360, in addition to being in communication with the one or more payroll institutions, may comprise or be in communication with a Personal Database as a Service (PDaaS). The gateway 1360 may send a pdr.getAllocationConfiguration response to the scheduler 1350, which in turn sends to the client-side interface 1320 a response that specifies the need for user input for allocation configuration. The client-side interface 1320 may send to the schedule 1350 a “/link/item/mfa” instruction allowing the user to send direct deposit switch configuration details and instructions.

The scheduler 1350 may be configured to send “updateAllocations” instructions to the payroll institution(s) via the gateway 1360. The gateway 1360 may send an “extractionResult” to the API 1330 via the scheduler 1350. The gateway 1360 may also forward the extraction results to the batch 1380, which in turn may reconcile accounts as needed. The batch 1380 communicates with the cross-platform document-oriented database 1390 and the IMS 1370. The API 1330 may be in operative communication with the IMS 1370 and, in some implementations, may get information regarding the switch from the IMS 1370. The API 1330 may send a “/link/item/mfa” response to the client-side interface 1320.

In related aspects, an institution may include additional authentication challenges such as a pin code, security questions, single-use passwords, secondary device code verification, biometric identification, and/or any suitable form of multi-factor authentication (MFA). Similarly, the client-side interface 1320 and/or other components of the computing environment 1300 may implement MFA and/or other authentication challenges at one or more steps of the flow illustrated in FIG. 13A.

FIG. 13B is a state diagram showing an example deposit switch flow, starting from token creation. The extraction transitions into an “updating” state once we receive the deposit configuration from the user. In the extraction, the system may edit the allocation configurations in a series of requests. If an error occurs (e.g., timeout, 500, institution down) while in the “modified” state, the system may transition to the “needs user attention” state.

FIGS. 14A-14N illustrate example graphical user interfaces or frontends generated and rendered to a user of the client-side interface 1320, such as, for example, Link. In FIGS. 14A-14C, the user is provided with the options to sign in with the client-side interface, select the user's payroll provider (or add the user's payroll provider), and provide access to the user's payroll provider account. Although various user interfaces are provided herein, these interfaces are merely examples and in various implementations, some of the user interfaces are optional and the progress between user interfaces may be different from the illustrated order.

In FIGS. 14D-14F, the user inputs his/her email (or user id) and password associated with the payroll provider and is presented with login status information (e.g., average loading time, authorization status). In FIGS. 14G-141, the user is provided with information regarding the user's bank accounts associated with the user's payroll account, as well as the current allocation of paychecks/deposits into each of the user's bank accounts. The user is also provided with the option of adding a new bank account (e.g., Bank 3 checking) and changing the allocation of direct deposits. In FIGS. 14J-14N, the user is provided fields and buttons to select/change partial recurring deposit amounts (e.g., dollar amount or percentage of pay), and to confirm the changes to the settings. In related aspects, a portion or all of the deposit amount(s) may default the new bank account, such as, e.g., a neobank, an online bank, an internet-only bank, a digital bank, or any type of direct bank that operates online without traditional physical branch networks.

In particular, FIG. 14A is a user interface that provides information regarding the process for changing the endpoint(s) for recurring transfers (e.g., direct deposits). In the user interface illustrated in FIG. 14B, the user can select a recurring transfer provider (e.g., an external payroll account system) from a plurality of common providers (e.g., Provider 1, Provider 2, and Provider 3) or the user can search for a recurring transfer provider using the search bar.

FIG. 14C illustrates a user interface that can be displayed after the user selects one of the providers (e.g., Provider 2). At this step, the user can enter credentials for logging into the provider as shown in FIGS. 14D-14F.

FIGS. 14G-14N illustrate a series of user interfaces which are displayed during the selection of an allocation of the recurring transfer between one or more endpoint external user accounts (e.g., bank accounts or other financial accounts that are able to accept the recurring transfers). For example, the user interface can display the current external user account(s) (e.g., Bank 1 savings and Bank 2 checking) receiving the recurring transfer and the user can select one or more of the current external user account(s) to be changed. FIG. 141 illustrates an embodiment in which the entirety of the recurring transfer to the current external user account(s) is changed to the new external user account (e.g., Bank 3 checking).

FIGS. 14J-14N illustrate user interfaces in which the user can select a dollar amount to be deducted from the recurring transfers to current external user account(s) which is instead routed to the new external user account. In other embodiments, the user can instead select a percentage to be changed, rather than a dollar amount. Although FIGS. 14A-14N illustrate an embodiment in which the user can directly select a recurring transfer provider and enter credentials for logging into the provider, in other embodiments, the user may not need to select the recurring transfer provider and/or may not be required to enter credentials for logging into the provider when executing the process for changing the endpoint(s) for recurring transfers. Other embodiments for executing the process for changing the endpoint(s) for recurring transfers are described herein.

In some implementations, one or more of the user interfaces of the system (e.g., user interfaces of the client-side interface 1320, the permissions plug-in 1210, and/or the permissions plug-in 1211) may comprise popups that overlay other user interfaces of the external user-facing system/application. In other implementations, one or more of the user interfaces of the system are integrated with user interfaces of the external user-facing system/application such that a user may not be able to distinguish the user interfaces of the system from the user interfaces of the external user-facing system/application. In yet other implementations, one or more of the user interfaces of the system may be generated on the user computing device.

Accordingly, as described herein, systems and method are provided that enable a user, via a permissions plug-in communicating with a permissions management system (via an API), and via the permissions management system communicating with an externals user account system though one or more APIs and/or proxy instances and institution interface modules, to update payroll allocation information.

In one aspect, FIG. 15 provides a method 1500 operable e.g., by the permissions plug-in 1210 and/or the permissions plug-in 1211 (optionally with one or more components of the permissions management system 1204) to facilitating secured user changes to future transfers. The method 1500 may involve, at block 1510, acquiring account credentials for an institution account associated with the future transfers. The method 1500 may involve, at block 1520, initiating, based on the account credentials, a proxy instance of first-party software application of an external institution associated with the institution account to determine a set of endpoints and a set of the future transfers to the endpoints. The method 1500 may involve, at block 1530, receiving a request from a user to change at least one of the set of the endpoints and the set of the further transfers to the endpoints. The method 1500 may involve, at block 1540, using the proxy instance, executing the requested change to at least one of the set of the endpoints or the set of the future transfers to the endpoints.

In another aspect, the permissions plug-in 1210 and/or the permissions plug-in 1211 (optionally with one or more components of the permissions management system 1204) may be configured to allow the user to do custom allocations to one or more bank accounts.

In yet another aspect, the permissions plug-in 1210 and/or the permissions plug-in 1211 (optionally with one or more components of the permissions management system 1204) may be configured to provide a semi-manual flow fallback in which the user's information is collected and a letter is mailed or faxed to the payroll provider and/or the employer to make the switch.

In further related aspects, one or more components of the computing environment 1300 may be configured to determine, at the end of the flow shown in FIG. 13A, whether the user would also like to transition other payments/transfers from the old account to the new account. If so, the computing environment 1300 may allow the user, also via the client-side interface 1320, to provide credentials to log in to the old account (also referred to herein as a “current account”). One or more components of the computing environment 1300 then goes into the old account, extracts transactions, analyzes them, identifies other recurring transfers/deposits and/or scheduled transfers, and provides a checklist or menu to the user of payments/transfers to transition from the old account to the new account. In yet a further related aspect, the client-side interface 1320 may automatically implement the transition of these other payment/transfers. A related method 1900 that involves logging into an old account during updating allocations to user accounts is described below in connection with FIGS. 19A and 19B. Aspects of the method 1900 may also be used at the end of the flow shown in FIG. 13A, and aspects of the FIG. 13A flow may also be applicable to the method 1900 of FIGS. 19A and 19B.

In still another aspect, the client-side interface 1320 may interact with the payroll provider, in addition to the proxy instance method described, via a provided API and/or via screen-scraping.

VIII. Automated Identification of External Payroll Account System

FIGS. 16A-16E illustrate example graphical user interfaces or frontends generated and rendered to a user via the client-side interface 1320. In FIGS. 16A-16C, the user is provided with the options to select the user's employer, and optionally provide access to the user's account with their employer.

In particular, FIG. 16A is a user interface that provides information regarding the process for changing the endpoint(s) for recurring transfers (e.g., direct deposits). In the user interface illustrated in FIG. 16B, the user can select their employer a plurality of common employers (e.g., Employer 1, Employer 2, . . . , etc.) or the user can search for an employer using the search bar.

In some embodiments, the selected employer may implement user accounts for their employees. Thus, in optional step FIG. 16C, the user can provide credentials for logging into an account with the employer. The user interface of FIG. 16C may be provided to the user when, for example, the employer implements an in-house payroll provider system. In other implementations, the user may be required to provide credentials to log into the employer user account such that the information of which external payroll account system the employer is using is not disclosed to individuals who are not employed by the employer.

When the employer uses an external payroll account system, the client-side interface may display the user interfaces illustrated in FIGS. 16D-16E to prompt the user to enter credentials for logging into their account with the external payroll account system. In order to automatically identify the correct external payroll account system, the client-side interface may look up the external payroll account system in a database that matches employers and external payroll account systems. Thus, permissions management system 1204 can identify the external payroll account systems with which the user has a user account based on the user's selection of their employer. After the user is logged into the external payroll account systems, the client-side interface may continue the process for changing the endpoint(s) for recurring transfers (e.g., direct deposits), for example, as described above in connection with FIGS. 14G-14N or as described in other embodiments herein. Although FIG. 16E illustrates an embodiment in which the user provides login credentials to log into the external payroll account system, in other embodiments described herein, the user may be able to log into the external payroll account system without providing login credentials.

FIG. 17 is an example simplified architecture schematic illustrating further aspects of a computing environment 1700 that may facilitate accessing user payroll account data from one or more external payroll account systems 1706 (also synonymously referred to herein as, e.g., payroll institutions, payroll providers, and/or the like, accordingly to various embodiments), and thereby facilitate changes to recurring transfers and/or allocations of recurring transfers. For example, the computing environment 1700 of FIG. 17 may enable the changing the endpoint(s) for recurring transfers without the user manually identifying their external payroll account systems 1706 and/or without the user providing credentials for logging into the external payroll account systems 1706.

With reference to FIG. 17, the computing environment 1700 includes a network/Internet 1702, a permissions management system 1704 (e.g., which may be implemented similar to the permissions management system 1204 described in connection with FIG. 13A), one or more external user account systems 1708, a user computing device 1714 including a permissions plug-in 1711 (e.g., the client-side interface or Link), a user 1716, and an employer/external payroll account database 1740.

The permissions plug-in 1711 may be substantially similar to the permissions plug-in 1210 implemented within the external user-facing system/application 1208 described above. For example, the permissions plug-in 1711 can be initiated via a smartphone application, via a webpage, etc. In some cases, the permissions plug-in 1711 may be associated with one of the external user account systems 1708.

In some embodiments, one of the external user account systems 1708 may initiate the interfaces for changing the recurring transfers described herein, for example, when the user creates a new account with the external user account system 1708.

In some embodiments, the computing environment 1700 may be configured to simplify the identification of an external payroll account system 1706 with which the user has an existing account. For example, recurring transactions originating from the external payroll account system 1706 may be performed automatically without any input from the user. Accordingly, users may not recall which external payroll account system 1706 they have an account with, or may not recall their login credentials for their user account. Aspects of this disclosure can thus automatically identify the external payroll account system 1706 with which the user has an account and facilitate accessing the account with the external payroll account system 1706 without the user providing login credentials.

The computing environment 1700 may be configured to automatically identify the external payroll account system 1706 based on input indicating the user's employer received from the user 1716. Specifically, the permissions management system 1704 can look up the external payroll account system 1706 associated with the user's employer in the employer/external payroll account database 1740.

The employer/external payroll account database 1740 can include a plurality of employers which are matched to one of a plurality of external payroll account systems.

According to certain aspects of this disclosure, the permissions management system 1704 can be configured to populate the employer/external payroll account database 1740 to enable the permissions management system 1704 to look up a user's external payroll account system 1706 based on the user's employer. FIG. 18 is a flowchart illustrating an example method of updating an employer/external payroll account database, according to an embodiment.

One or more steps of the method 1800 may be operable by and/or implemented by the permissions management system 1704 or other components of the computing environment 1700. At block 1810, the method 1800 involves retrieving transaction data. This transaction data may be a set of anonymized transaction descriptions from external user accounts which have been accessed using the permissions management system 1704 (e.g., as shown in FIG. 3). In some implementations, there may be a large amount of anonymized transaction data, and thus, block 1810 may also involve sampling the anonymized transaction data to reduce the amount of analysis involved in populating the employer/external payroll account database 1740.

At block 1820, the method 1800 may involve categorizing the transaction data to identify recurring transfers. The categorization of the transaction data can be performed using various different techniques including, for example, parsing the text strings associated with the transaction data for formatting associated with recurring transfers, analyzing the timing of the transaction data for consistency with recurring transfers (e.g., the transfers having a recurrence that is weekly, bi-weekly, semi-monthly, monthly, etc.), analyzing the consistency of the amount of the transaction data (e.g., recurring transfers may have a similar amount), etc.

At block 1830, the method 1800 may involve identifying an external payroll account system based on the structure of a text string included in the recurring transfers. For example, each external payroll account system may use a consistent text string format for the transaction data of the recurring transfers provided by the external payroll account system. Thus, it may be possible to uniquely identify the external payroll account system based on the format/structure of the text string forming the transaction data for the identified recurring transfer.

At block 1840, the method 1800 may involve identifying an employer based on the text string included in the recurring transfers and optionally further based on location data. In certain implementations, the text strings for recurring transfers may include a truncated character string which identifies the employer by name. However, the truncated character string is often limited in length, and thus, the full employer name may not be represented within the truncated charactering string. In cases where the truncated charactering string uniquely identifies a single employer, block 1840 may end with the identified employer. However, it is common that the truncated charactering string may match a plurality of different employers. In addition, the process of truncating the employer name for generating the truncated charactering string may introduce error(s) such that the truncated charactering string does not exactly match a portion of the corresponding employer's name. Thus, fuzzy matching may be used to generate a list of potential employers which may match the truncated charactering string.

In some embodiments, the permissions management system 1704 can identify which of the list of potential employers matches the identified recurring transfers using location data. For example, the potential employers may be physically located at addresses that are separated by large distances. The permissions management system 1704 can use other transaction data from the same user and obtain location data associated with the other transactions. For example, a given transaction may be associated with a merchant having an address that is within a predetermined distance from one of the potential employers. When a threshold number of transactions for the user are within the predetermined distance of one of the potential employers, the permissions management system 1704 may have sufficient confidence to associate the recurring transfer with the identified employer.

In some implementations, the permissions management system 1704 can also use other sources of location data to help identify the employer. For example, the permissions management system 1704 can use an address associated with a branch of the external user account system 1708 with which the user has an account. However, this data may not provide sufficient confidence to identify an employer alone since the user may have moved without updating the local branch information. If available, the user's home address may also be used as an input to identify the employer.

At block 1850, the permissions management system 1704 can update the database (e.g., the employer/external payroll account database 1740) with the newly identified match between the employer and the external payroll account system.

IX. Further Examples of Automated Identification of External Payroll Account System

FIGS. 19A and 19B provide a flowchart illustrating an example method of automatically identifying an employer and/or external payroll account system of the user by providing access to the user's external account. In some implementations, the method 1900 may be initiated by an external user account system by initiating the permissions plug-in 1711 on the user computing device 1714 to enable the user to change the endpoints and/or allocations associated with a recurring transfer. The method 1900 may help the user locate the external payroll provider from which the recurring transfer originates without the user identifying the payroll provider manually.

One or more steps of the method 1900 may be operable by the permissions management system 1704 or other components of the computing environment 1700. At block 1910, the method 1900 involves displaying the client-side interface (e.g., the permission plug-in 1711 or Link) on the user computing device 1714. At block 1920, the method 1900 involves receiving a user selection of a current external user account system (e.g., one of the external user account systems 1708) with which the user has an account. The client-side interface may prompt the user to identify the external user account system identified at which the recurring transfers are currently being received (e.g., the endpoint receiving the recurring transfers).

At block 1930, the method 1900 involves receiving user login credentials for the current external user account system. At block 1940, the method 1900 involves accessing transaction data from the current external user account system using the user login credentials.

At block 1950, the method 1900 involves analyzing the transaction data to identify recurring transfers. This analysis may be similar to the analysis described above in connection with block 1820. In some embodiments, the analysis of the transaction data may also identify recurring transactions which are not recurring incoming transfers. For example, the client-side interface (e.g., the permission plug-in 1711 or Link) may provide a list of recurring transactions to the user at the end of the change to endpoint(s) and/or allocations to provide the user with a “checklist” of transactions they may wish to update.

At block 1960, the method 1900 involves determining the employer and/or the external payroll account system based on the identified recurring transfers. For example, the external payroll account system can be identified using techniques similar to those described in connection with block 1830 and the employer may be identified using a technique similar to those described in connection with block 1840. In the event that the employer is identified without identifying the external payroll account system, the permissions management system 1704 can use the employer/external payroll account database 1740 to identify the external payroll account system used by the identified employer.

At block 1970, the method 1900 can involve providing the user with an option to change an endpoint (e.g., external user account system 1708) for future recurring transfers. In response to receiving user input to change the endpoint, at block 1980 the method 1900 can involve proceeding with changing the endpoint for future recurring transfers based on the user input. For example, the client-side interface may continue the process for changing the endpoint(s) for recurring transfers (e.g., direct deposits), for example, as described above in connection with FIGS. 14C-14N or as described in other embodiments herein.

X. Accessing External Payroll Account Using Automated Recovery of User Credentials

As described above, users may not recall which external payroll account system 1706 they have an account with, or may not recall their login credentials for their user account due to recurring transactions being performed automatically without any input from the user. Certain aspects of this disclosure can automatically log a user into their external payroll account system 1706 using a credentials recovery option provided by the external payroll account system 1706.

FIGS. 20A-20E illustrate example graphical user interfaces or frontends generated and rendered to a user of the client-side interface 1320, such as, for example, Link. In FIGS. 20A-20E, the user is provided with the options to sign up with the client-side interface, select the user's employer, and gain access to the user's external payroll account system using login credential recovery.

In FIG. 20A, the user may first select an employer from a list of common employers, or search for an employer using the search bar. In FIG. 20B, the client-side interface may provide the optional user interface requesting input on the type of profile associated with the user's external payroll account system for which the user's wishes to change recurring transfer details. FIGS. 20D-20E provide user interfaces which can be used to obtain the necessary information from the user for performing recovery of the user's login credentials. For example, the user may provide the user's name, phone number, and email, which can be used as inputs for recovery. In FIG. 20C, the user is prompted to provide a portion of the user's SSN, EIN, or ITIN, which can be used to initiate login credential recovery. In some embodiments, the permissions management system 1704 or the external user account system 1708 may already have certain user information (e.g., the user's first and/or last name) which can be provided to proxy instance of first-party software application of the external payroll account system without prompting the user to reenter this information. In some implementations, at least a portion of the user information may be obtained automatically by the permissions management system 1704 (e.g., from the external user account system 1708) including, for example, name, email address, account number, routing number, etc. By automatically obtaining certain user information, the permissions management system 1704 can use the automatically obtained user information to initiate the login credential recovery without prompting the user for the information.

In FIG. 20D, the user interface prompts the user to select an option for multi-factor authentication. Any type of multi-factor authentication can be used to confirm the user's authorization to their account with the external payroll account system. Based on the selected option for multi-factor authentication, in FIG. 20E the user interface can receive credentials (e.g., a one-time code) from the user or directly from the user's device 1714 to complete the multi-factor authentication.

FIG. 21 provides a flowchart illustrating an example method of accessing an external payroll account using automated recovery of user credentials. The method 2100 may correspond to the graphical user interfaces illustrated in FIGS. 20A-20E.

One or more steps of the method 2100 may be operable by the permissions management system 1704 or other components of the computing environment 1700. At block 2110, the method 2100 involves initiating a proxy instance of a first-party software application of an external institution account. This may correspond to FIG. 20A. At block 2120, the method 2100 involves requesting a multi-factor authentication from the external payroll account. For example, the permissions management system 1704 may initiate an account recovery via the proxy instance, in which the external payroll account requests multi-factor authentication from the user. This may correspond to FIG. 20D.

At block 2130, the method 2100 involves receiving a multi-factor authentication token from a user computing device (e.g., at FIG. 20E). The multi-factor token may include a one-time code, a security token (e.g., from a physical device), a biometric, or any other form of multi-factor authentication token. At block 2140, the method 2100 involves accessing a user account in the proxy instance using the multi-factor authentication token using account recovery.

XI. Allocation Update and Confirmation

FIG. 22 provides a flowchart illustrating an example method of allocating future recurring transfers to one or more endpoints. One or more steps of the method 2200 may be operable by the permissions management system 1704 or other components of the computing environment 1700. The method 2200 can be performed for a full or partial change in the endpoints and/or allocations of a recurring transfer. In some implementations, the method 2200 may be performed once the user account in the proxy instance has been accessed (e.g., after step 2140 of FIG. 21).

At block 2210, the method 2200 involves reading the current allocation for the recurring transfer from the proxy instance. It may be difficult to accurately describe the endpoints for the current allocation since the description of these endpoints received from the external payroll account system via the proxy instance may not be descriptive. Accordingly, the display of the current allocation may involve describing each of the current endpoints using generic terminology (e.g., standard checking, standard savings, the last four digits of the account number associated with the endpoint, etc.). In some embodiments, the text descriptions of the endpoints received from the external payroll account system may be displayed as is to the user.

At block 2220, the method 2200 involves displaying a new allocation for the recurring transfer. In some embodiments, the new allocation may be displayed based on one or more user inputs selecting the endpoint(s) for the new allocation and the amounts (e.g., in percentage, absolute value, etc.) to be allocated to each of the endpoints.

At block 2230, the method 2200 involves receiving confirmation for the new allocation from the user computing device 1714. At block 2240, the method 2200 involves writing the new allocation to the external payroll account via the proxy instance. At block 2250, the method 2200 involves reading the written new allocation via the proxy instance to confirm that the new allocation has been correctly written to the external payroll account system. If the new allocation was correctly written, the user computing device 1714 may display a confirmation to the user 1716 that the change to recurring transfer allocations has been completed successfully. If the new allocation was not correctly written, the user computing device 1714 may display a warning to the user 1716 requesting that the user confirm their recurring transfer settings with the external payroll account system directly.

XII. Additional Implementation Details and Embodiments

Various embodiments of the present disclosure may be a system, a method, and/or a computer program product at any possible technical detail level of integration. The computer program product may include a computer readable storage medium (or mediums) having computer readable program instructions thereon for causing a processor to carry out aspects of the present disclosure.

For example, the functionality described herein may be performed as software instructions are executed by, and/or in response to software instructions being executed by, one or more hardware processors and/or any other suitable computing devices. The software instructions and/or other executable code may be read from a computer readable storage medium (or mediums).

The computer readable storage medium can be a tangible device that can retain and store data and/or instructions for use by an instruction execution device. The computer readable storage medium may be, for example, but is not limited to, an electronic storage device (including any volatile and/or non-volatile electronic storage devices), a magnetic storage device, an optical storage device, an electromagnetic storage device, a semiconductor storage device, or any suitable combination of the foregoing. A non-exhaustive list of more specific examples of the computer readable storage medium includes the following: a portable computer diskette, a hard disk, a solid state drive, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or Flash memory), a static random access memory (SRAM), a portable compact disc read-only memory (CD-ROM), a digital versatile disk (DVD), a memory stick, a floppy disk, a mechanically encoded device such as punch-cards or raised structures in a groove having instructions recorded thereon, and any suitable combination of the foregoing. A computer readable storage medium, as used herein, is not to be construed as being transitory signals per se, such as radio waves or other freely propagating electromagnetic waves, electromagnetic waves propagating through a waveguide or other transmission media (e.g., light pulses passing through a fiber-optic cable), or electrical signals transmitted through a wire.

Computer readable program instructions described herein can be downloaded to respective computing/processing devices from a computer readable storage medium or to an external computer or external storage device via a network, for example, the Internet, a local area network, a wide area network and/or a wireless network. The network may comprise copper transmission cables, optical transmission fibers, wireless transmission, routers, firewalls, switches, gateway computers and/or edge servers. A network adapter card or network interface in each computing/processing device receives computer readable program instructions from the network and forwards the computer readable program instructions for storage in a computer readable storage medium within the respective computing/processing device.

Computer readable program instructions (as also referred to herein as, for example, “code,” “instructions,” “module,” “application,” “software application,” and/or the like) for carrying out operations of the present disclosure may be assembler instructions, instruction-set-architecture (ISA) instructions, machine instructions, machine dependent instructions, microcode, firmware instructions, state-setting data, configuration data for integrated circuitry, or either source code or object code written in any combination of one or more programming languages, including an object oriented programming language such as Smalltalk, C++, or the like, and procedural programming languages, such as the “C” programming language or similar programming languages. Computer readable program instructions may be callable from other instructions or from itself, and/or may be invoked in response to detected events or interrupts. Computer readable program instructions configured for execution on computing devices may be provided on a computer readable storage medium, and/or as a digital download (and may be originally stored in a compressed or installable format that requires installation, decompression or decryption prior to execution) that may then be stored on a computer readable storage medium. Such computer readable program instructions may be stored, partially or fully, on a memory device (e.g., a computer readable storage medium) of the executing computing device, for execution by the computing device. The computer readable program instructions may execute entirely on a user's computer (e.g., the executing computing device), partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the latter scenario, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet Service Provider). In some embodiments, electronic circuitry including, for example, programmable logic circuitry, field-programmable gate arrays (FPGA), or programmable logic arrays (PLA) may execute the computer readable program instructions by utilizing state information of the computer readable program instructions to personalize the electronic circuitry, in order to perform aspects of the present disclosure.

Aspects of the present disclosure are described herein with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the disclosure. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer readable program instructions.

These computer readable program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions/acts specified in the flowchart and/or block diagram block or blocks. These computer readable program instructions may also be stored in a computer readable storage medium that can direct a computer, a programmable data processing apparatus, and/or other devices to function in a particular manner, such that the computer readable storage medium having instructions stored therein comprises an article of manufacture including instructions which implement aspects of the function/act specified in the flowchart(s) and/or block diagram(s) block or blocks.

The computer readable program instructions may also be loaded onto a computer, other programmable data processing apparatus, or other device to cause a series of operational steps to be performed on the computer, other programmable apparatus or other device to produce a computer implemented process, such that the instructions which execute on the computer, other programmable apparatus, or other device implement the functions/acts specified in the flowchart and/or block diagram block or blocks. For example, the instructions may initially be carried on a magnetic disk or solid state drive of a remote computer. The remote computer may load the instructions and/or modules into its dynamic memory and send the instructions over a telephone, cable, or optical line using a modem. A modem local to a server computing system may receive the data on the telephone/cable/optical line and use a converter device including the appropriate circuitry to place the data on a bus. The bus may carry the data to a memory, from which a processor may retrieve and execute the instructions. The instructions received by the memory may optionally be stored on a storage device (e.g., a solid state drive) either before or after execution by the computer processor.

The flowchart and block diagrams in the Figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of instructions, which comprises one or more executable instructions for implementing the specified logical function(s). In some alternative implementations, the functions noted in the blocks may occur out of the order noted in the Figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. In addition, certain blocks may be omitted in some implementations. The methods and processes described herein are also not limited to any particular sequence, and the blocks or states relating thereto can be performed in other sequences that are appropriate.

It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems that perform the specified functions or acts or carry out combinations of special purpose hardware and computer instructions. For example, any of the processes, methods, algorithms, elements, blocks, applications, or other functionality (or portions of functionality) described in the preceding sections may be embodied in, and/or fully or partially automated via, electronic hardware such application-specific processors (e.g., application-specific integrated circuits (ASICs)), programmable processors (e.g., field programmable gate arrays (FPGAs)), application-specific circuitry, and/or the like (any of which may also combine custom hard-wired logic, logic circuits, ASICs, FPGAs, etc. with custom programming/execution of software instructions to accomplish the techniques).

Any of the above-mentioned processors, and/or devices incorporating any of the above-mentioned processors, may be referred to herein as, for example, “computers,” “computer devices,” “computing devices,” “hardware computing devices,” “hardware processors,” “processing units,” and/or the like. Computing devices of the above-embodiments may generally (but not necessarily) be controlled and/or coordinated by operating system software, such as Mac OS, iOS, Android, Chrome OS, Windows OS (e.g., Windows XP, Windows Vista, Windows 7, Windows 8, Windows 10, Windows Server, etc.), Windows CE, Unix, Linux, SunOS, Solaris, Blackberry OS, VxWorks, or other suitable operating systems. In other embodiments, the computing devices may be controlled by a proprietary operating system. Conventional operating systems control and schedule computer processes for execution, perform memory management, provide file system, networking, I/O services, and provide a user interface functionality, such as a graphical user interface (“GUI”), among other things.

As described above, in various embodiments certain functionality may be accessible by a user through a web-based viewer (such as a web browser), or other suitable software program). In such implementations, the user interface may be generated by a server computing system and transmitted to a web browser of the user (e.g., running on the user's computing system). Alternatively, data (e.g., user interface data) necessary for generating the user interface may be provided by the server computing system to the browser, where the user interface may be generated (e.g., the user interface data may be executed by a browser accessing a web service and may be configured to render the user interfaces based on the user interface data). The user may then interact with the user interface through the web-browser. User interfaces of certain implementations may be accessible through one or more dedicated software applications. In certain embodiments, one or more of the computing devices and/or systems of the disclosure may include mobile computing devices, and user interfaces may be accessible through such mobile computing devices (for example, smartphones and/or tablets).

Many variations and modifications may be made to the above-described embodiments, the elements of which are to be understood as being among other acceptable examples. All such modifications and variations are intended to be included herein within the scope of this disclosure. The foregoing description details certain embodiments. It will be appreciated, however, that no matter how detailed the foregoing appears in text, the systems and methods can be practiced in many ways. As is also stated above, it should be noted that the use of particular terminology when describing certain features or aspects of the systems and methods should not be taken to imply that the terminology is being re-defined herein to be restricted to including any specific characteristics of the features or aspects of the systems and methods with which that terminology is associated.

Conditional language, such as, among others, “can,” “could,” “might,” or “may,” unless specifically stated otherwise, or otherwise understood within the context as used, is generally intended to convey that certain embodiments include, while other embodiments do not include, certain features, elements, and/or steps. Thus, such conditional language is not generally intended to imply that features, elements and/or steps are in any way required for one or more embodiments or that one or more embodiments necessarily include logic for deciding, with or without user input or prompting, whether these features, elements and/or steps are included or are to be performed in any particular embodiment.

The term “substantially” when used in conjunction with the term “real-time” forms a phrase that will be readily understood by a person of ordinary skill in the art. For example, it is readily understood that such language will include speeds in which no or little delay or waiting is discernible, or where such delay is sufficiently short so as not to be disruptive, irritating, or otherwise vexing to a user.

Conjunctive language such as the phrase “at least one of X, Y, and Z,” or “at least one of X, Y, or Z,” unless specifically stated otherwise, is to be understood with the context as used in general to convey that an item, term, etc. may be either X, Y, or Z, or a combination thereof. For example, the term “or” is used in its inclusive sense (and not in its exclusive sense) so that when used, for example, to connect a list of elements, the term “or” means one, some, or all of the elements in the list. Thus, such conjunctive language is not generally intended to imply that certain embodiments require at least one of X, at least one of Y, and at least one of Z to each be present.

The term “a” as used herein should be given an inclusive rather than exclusive interpretation. For example, unless specifically noted, the term “a” should not be understood to mean “exactly one” or “one and only one”; instead, the term “a” means “one or more” or “at least one,” whether used in the claims or elsewhere in the specification and regardless of uses of quantifiers such as “at least one,” “one or more,” or “a plurality” elsewhere in the claims or specification.

The term “comprising” as used herein should be given an inclusive rather than exclusive interpretation. For example, a general purpose computer comprising one or more processors should not be interpreted as excluding other computer components, and may possibly include such components as memory, input/output devices, and/or network interfaces, among others.

While the above detailed description has shown, described, and pointed out novel features as applied to various embodiments, it may be understood that various omissions, substitutions, and changes in the form and details of the devices or processes illustrated may be made without departing from the spirit of the disclosure. As may be recognized, certain embodiments of the inventions described herein may be embodied within a form that does not provide all of the features and benefits set forth herein, as some features may be used or practiced separately from others. The scope of certain inventions disclosed herein is indicated by the appended claims rather than by the foregoing description. All changes which come within the meaning and range of equivalency of the claims are to be embraced within their scope. 

What is claimed is:
 1. A system comprising: one or more computer readable storage mediums having program instructions embodied therewith; and one or more processors configured to execute the program instructions to cause the system to: identify an external institution associated with future transfers; initiate, based on the identified external institution, a proxy instance of a software application of the external institution to determine a set of endpoints and a set of the future transfers to the endpoints; receive a request from a user to change at least one of the set of the endpoints and the set of the further transfers to the endpoints; and use the proxy instance, executing the requested change to at least one of the set of the endpoints or the set of the future transfers to the endpoints.
 2. The system of claim 1, wherein the one or more processors are configured to execute the program instructions to further cause the system to: receive a selection of an employer from the user; and identify the external institution from a database that matches employers to external institutions based on the selected employer.
 3. The system of claim 2, wherein the one or more processors are configured to execute the program instructions to further cause the system to: initiate an account recovery with the external institution; receive a multi-factor authentication token from the user; and provide the multi-factor authentication token to the external institution to access a user account in the proxy instance.
 4. The system of claim 2, wherein the one or more processors are configured to execute the program instructions to further cause the system to: retrieve transaction data; categorize the transaction data to identify recurring transactions; identify a first external institution based on the recurring transactions; identify a first employer based on the recurring transactions; and update the database with the first external institution and the first employer.
 5. The system of claim 1, wherein the one or more processors are configured to execute the program instructions to further cause the system to: receive a selection of a current external user account system from the user; and access transaction data from the current external user account system, wherein the identifying of the external institution is based on the transaction data from the current external user account system.
 6. The system of claim 5, wherein the one or more processors are configured to execute the program instructions to further cause the system to: analyze the transaction data to identify recurring transfers, wherein the identifying of the external institution is further based on a structure of a text string included in the recurring transfers.
 7. The system of claim 5, wherein the one or more processors are configured to execute the program instructions to further cause the system to: analyze the transaction data to identify recurring transfers; identify an employer based on the recurring transfers; and identify the external institution from a database that matches employers to external institutions based on the identified employer.
 8. The system of claim 1, wherein the one or more processors are configured to execute the program instructions to further cause the system to: read a current allocation of the future transfers from the proxy instance; receive a selection of a new allocation for the future transfers from the user; and display the new allocation for the future transfers.
 9. The system of claim 8, wherein the one or more processors are configured to execute the program instructions to further cause the system to: receive a confirmation of the new allocation from the user; write the new allocation to the external institution via the proxy instance; and read the written new allocation via the proxy instance to confirm that the new allocation is correct.
 10. The system of claim 1, wherein the request from the user comprises changing the set of endpoints to include a new external user account system.
 11. The system of claim 1, wherein the request from the user comprises customizing allocations of the set of future transfers to the set of the endpoints.
 12. The system of claim 1, wherein the one or more processors are configured to execute the program instructions to further cause the system to: provide the user with an authentication challenge based on multi-factor authentication.
 13. A method of facilitating secured user changes to future transfers, the method comprising: by one or more processor executing program instructions: identifying an external institution associated with future transfers; initiating, based on the identified external institution, a proxy instance of a software application of the external institution to determine a set of endpoints and a set of the future transfers to the endpoints; receiving a request from a user to change at least one of the set of the endpoints and the set of the further transfers to the endpoints; and using the proxy instance, executing the requested change to at least one of the set of the endpoints or the set of the future transfers to the endpoints.
 14. The method of claim 13, wherein the identifying the external institution comprises: by the one or more processor executing program instructions: receiving a selection of an employer from the user; and identifying the external institution from a database that matches employers to external institutions based on the selected employer.
 15. The method of claim 14, further comprising: by the one or more processor executing program instructions: initiating an account recovery with the external institution; receiving a multi-factor authentication token from the user; and providing the multi-factor authentication token to the external institution to access a user account in the proxy instance.
 16. The method of claim 14, further comprising: by the one or more processor executing program instructions: retrieving transaction data; categorizing the transaction data to identify recurring transactions; identifying a first external institution based on the recurring transactions; identifying a first employer based on the recurring transactions; and updating the database with the first external institution and the first employer.
 17. The method of claim 13, wherein the identifying the external institution comprises: by the one or more processor executing program instructions: receiving a selection of a current external user account system from the user; and accessing transaction data from the current external user account system, wherein the identifying of the external institution is based on the transaction data from the current external user account system.
 18. The method of claim 17, wherein the identifying the external institution further comprises: by the one or more processor executing program instructions: analyzing the transaction data to identify recurring transfers, wherein the identifying of the external institution is further based on a structure of a text string included in the recurring transfers.
 19. The method of claim 17, wherein the identifying the external institution further comprises: by the one or more processor executing program instructions: analyzing the transaction data to identify recurring transfers; identifying an employer based on the recurring transfers; and identifying the external institution from a database that matches employers to external institutions based on the identified employer.
 20. The method of claim 13, further comprising: by the one or more processor executing program instructions: reading a current allocation of the future transfers from the proxy instance; receiving a selection of a new allocation for the future transfers from the user; displaying the new allocation for the future transfers. receiving a confirmation of the new allocation from the user; writing the new allocation to the external institution via the proxy instance; and reading the written new allocation via the proxy instance to confirm that the new allocation is correct. 